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Oracle Banking Digital

Experience Retail Payments User Manual

Release 18.3.0.0.0

Part No. F12056-01

December 2018

User Manual Oracle Banking Digital Experience Retail Payments ii

Retail Payments User Manual

December 2018

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User Manual Oracle Banking Digital Experience Retail Payments iii

Table of Contents

1. Preface ................................................................................................................................................. 6

1.1 Intended Audience ........................................................................................................................ 6

1.2 Documentation Accessibility ......................................................................................................... 6

1.3 Access to Oracle Support ............................................................................................................. 6

1.4 Structure ........................................................................................................................................ 6

1.5 Related Information Sources......................................................................................................... 6

2. Transaction Host Integration Matrix ................................................................................................. 7

3. Payments ........................................................................................................................................... 13

3.1 Payments Widgets ...................................................................................................................... 14

4. Manage Payees ................................................................................................................................. 17

4.1 Payee Summary .......................................................................................................................... 18

4.1.1 View Payee Details ............................................................................................................. 21

4.2 Edit Payees(Account Limits) ....................................................................................................... 25

4.3 Delete Payee Account/ Demand Draft ........................................................................................ 28

4.4 Add New Payee .......................................................................................................................... 29

5. Add Payee - Demand Draft .............................................................................................................. 30

5.1 Add Payee - Domestic Demand Draft ......................................................................................... 31

5.2 Add Payee - International Demand Draft .................................................................................... 35

6. Add Payee - Bank Account .............................................................................................................. 39

6.1 Add Payee - Internal Bank Account ............................................................................................ 40

6.2 Domestic Account transfer .......................................................................................................... 42

6.2.1 Domestic Account - India .................................................................................................... 42

6.2.2 Payee Maintenance – UK Bank Account ............................................................................ 46

6.2.3 Domestic Account – SEPA Payment .................................................................................. 51

6.3 Add Payee – International Bank Account ................................................................................... 55

7. Transfer Money ................................................................................................................................. 61

7.1 Transfer Money - Existing Payee ................................................................................................ 62

7.2 Transfer Money - New Payee ..................................................................................................... 70

7.3 Transfer Money - My Accounts ................................................................................................... 70

8. Multiple Transfers............................................................................................................................. 74

User Manual Oracle Banking Digital Experience Retail Payments iv

9. Adhoc Transfer ................................................................................................................................. 84

9.1 Adhoc Payment - Internal Fund Transfer .................................................................................... 84

9.2 Adhoc Payment - Domestic Fund Transfer ................................................................................. 87

9.2.1 Domestic Fund Transfer - India ........................................................................................... 87

9.2.2 Domestic Fund Transfer - UK ............................................................................................. 92

9.2.3 Domestic Fund Transfer - SEPA ......................................................................................... 99

9.3 Adhoc Payment - International Fund Transfer .......................................................................... 103

10. Adhoc Demand Draft .................................................................................................................. 114

10.1 Adhoc Demand Draft - Domestic .............................................................................................. 114

10.2 Adhoc Demand Draft - International ......................................................................................... 118

11. Issue Demand Draft .................................................................................................................... 125

11.1 Demand Draft ............................................................................................................................ 125

12. Repeat Transfers ......................................................................................................................... 129

12.1 View Repeat Transfers .............................................................................................................. 130

12.2 Stop Repeat Transfers .............................................................................................................. 132

12.3 Set Repeat Transfers ................................................................................................................ 135

13. Request Money ............................................................................................................................ 144

14. Manage Debtors .......................................................................................................................... 147

14.2 Manage Debtors - View ............................................................................................................. 149

14.3 Add Debtor ................................................................................................................................ 150

14.4 Delete Debtor ............................................................................................................................ 151

15. Upcoming Payments Inquiry ...................................................................................................... 153

15.1 Upcoming Payment - Summary ................................................................................................ 153

15.2 Upcoming Payments - View & Cancel ...................................................................................... 155

16. Funds Transfer History ............................................................................................................... 157

16.1 Funds Transfer History Summary ............................................................................................. 157

16.2 Funds Transfer History Details .................................................................................................. 160

17. Manage Biller ............................................................................................................................... 162

17.1 Manage Billers – Summary ....................................................................................................... 163

17.2 View Biller Details ..................................................................................................................... 164

17.3 Edit Biller ................................................................................................................................... 165

17.4 Add Biller ................................................................................................................................... 167

User Manual Oracle Banking Digital Experience Retail Payments v

17.5 Delete Biller ............................................................................................................................... 168

18. Bill Payment ................................................................................................................................. 170

18.1 Pay Bills ..................................................................................................................................... 171

19. Multiple Bill Payments ................................................................................................................ 174

20. Favorites ...................................................................................................................................... 179

20.1 Favorites – Summary ................................................................................................................ 180

20.2 Remove Favorites ..................................................................................................................... 181

21. View Limits ................................................................................................................................... 184

22. Common Functions .................................................................................................................... 185

Preface

User Manual Oracle Banking Digital Experience Retail Payments 6

1. Preface

1.1 Intended Audience

This document is intended for the following audience:

Customers

Partners

1.2 Documentation Accessibility

For information about Oracle's commitment to accessibility, visit the Oracle Accessibility Program

website at http://www.oracle.com/pls/topic/lookup?ctx=acc&id=docacc.

1.3 Access to Oracle Support

Oracle customers have access to electronic support through My Oracle Support. For information, visit

http://www.oracle.com/pls/topic/lookup?ctx=acc&id=info or visit

http://www.oracle.com/pls/topic/lookup?ctx=acc&id=trs if you are hearing impaired.

1.4 Structure

This manual is organized into the following categories:

Preface gives information on the intended audience. It also describes the overall structure of the User Manual.

Introduction provides brief information on the overall functionality covered in the User Manual.

The subsequent chapters provide information on transactions covered in the User Manual.

Each transaction is explained in the following manner:

Introduction to the transaction

Screenshots of the transaction

The images of screens used in this User Manual are for illustrative purpose only, to provide improved understanding of the functionality; actual screens that appear in the application may vary based on selected browser, theme, and mobile devices.

Procedure containing steps to complete the transaction- The mandatory and conditional fields of the transaction are explained in the procedure.

If a transaction contains multiple procedures, each procedure is explained. If some functionality is present in many transactions, this functionality is explained separately.

1.5 Related Information Sources

For more information on Oracle Banking Digital Experience Release 18.3.0.0.0, refer to the following documents:

Oracle Banking Digital Experience Licensing Guide

Oracle Banking Digital Experience Installation Manuals

http://www.oracle.com/pls/topic/lookup?ctx=acc&id=docacc

Transaction Host Integration Matrix


2. Transaction Host Integration Matrix

Legends

NH No Host Interface Required.

Pre integrated Host interface available.

Pre integrated Host interface not available.

Sr No

Transaction / Function Name

Oracle FLEXCUBE Core Banking 11.7.0.0.0

Oracle FLEXCUBE Universal Banking 14.0.0.0.0 (FT/PC)

Oracle FLEXCUBE Universal Banking 14.0.0.0.0 (Oracle Banking Payments)

Oracle FLEXCUBE Universal Banking 14.1.0.0.0

(FT/PC)


1 Payments Widgets

2 Transfer Money

Own Accounts

Internal Account

India Domestic - NEFT

India Domestic - RTGS

India Domestic - IMPS

SEPA - Credit Transfer

SEPA - Card Transfer

UK - Urgent

UK - Non urgent

UK - Faster

International Transfer



Sr No






(FT/PC)


3 Adhoc Transfer

Internal Account





4 Multiple Transfers

Internal Account




SEPA - Credit Transfer

SEPA - Card Transfer

UK - Urgent payment

UK - Non urgent payment

UK - Faster payment




Sr No






(FT/PC)


5 Manage Payees

Internal*

India Domestic - NEFT*

India Domestic - RTGS*

India Domestic - IMPS*

International Transfer*

SEPA - Credit Transfer*

SEPA - Card Transfer*

UK - Urgent Payment*

UK - Non urgent Payment*

UK - Faster Payment*

Domestic Draft*

International Draft*

6 Manage Biller*

7 Demand Draft

Domestic - Pay Now

Domestic - Pay Later

International - Pay Now



Sr No






(FT/PC)


International - Pay Later

8 Adhoc Demand Draft

Domestic - Pay Now

Domestic - Pay Later

International - Pay Now

International - Pay Later

9 Repeat Transfers

Own Accounts

Internal Accounts




10 Bill Payments

11 Multiple Bill Payments

12 Manage Debtors

13 Request Money

14 Upcoming Payment Inquiry

Own Account - Repeat Payment



Sr No






(FT/PC)


Own Account - Pay Later

Internal Transfer - Repeat Payment

Internal Transfer - Pay Later

India Domestic - NEFT - Repeat Payment

India Domestic - NEFT - Pay Later

India Domestic - RTGS - Repeat Payment

India Domestic - RTGS - Pay Later

India Domestic - IMPS - Repeat Payment

India Domestic - IMPS - Pay Later

International Transfer - Pay Later

SEPA Credit Transfer - Pay Later

Domestic Draft - Pay Later

International Draft - Pay Later



Sr No






(FT/PC)


15

Upcoming Payment Cancellation

16 Favorites NH NH NH NH NH

17

Funds Transfer

History

* There is an integration required with the host system to validate some information captured as part of payee details whereas there is no storage of payees in the host system.

Payments


3. Payments

Payments, specifically Retail Payments, are fund transfers made between individuals and are, in most instances, of a low value and are generally not time-sensitive in nature.

Retail payments are mostly made by consumers to retailers or to utility providers and involve the transfer of money from the consumer’s account to that of the service provider.

The digital banking application simplifies the user’s requirement of transferring funds from one bank account to others. By using the payments module of the digital banking application, users can transfer funds between accounts (including their own as well as to other accounts held within the same bank or outside the bank either domestically or internationally) at their convenience in a simplified manner.

The following sections in this document detail all the features offered to users through the payments module of the digital banking application.

Payments


3.1 Payments Widgets

In addition to a host of other banking features and information, the retail user dashboard also

contains widgets related to payments which enable users to easily access payment transactions

and also to gain a quick view of scheduled upcoming payments as well as to view the current status

of initiated payments.

Payments Widget Overview

The payments widget enables the user to gain easy access to the following transactions and features:

Payments


Transfer Money

This feature enables the user to transfer money to registered payees.

Pay Bills

This feature enables users to pay utility bills towards billers that are previously registered.

Favorites

By selecting this option, users can access the transactions, both bill payments and money transfers that they have set as favorite. Users can subsequently initiate further transactions using these favorite transactions as templates.

Manage Payees & Billers

This features enables users to manage payees and billers. From the Manage Payees & Billers screen, the user can add new payees or billers and can also view and edit or delete existing registered payees and billers.

Request Money

The Request Money feature enables users to initiate SEPA direct debit requests.

View Repeat Transfers

This feature enables users to view previously initiated repeat transfers. Subsequently, users can also initiate repeat transfers by selecting the Set Repeat Transfers option available on the View Repeat Transfers screen.

Payments


Upcoming Payments Widget Overview

Upcoming Payments

This widget lists down all the future dated payment instructions set up by the user. By default, only four future dated payments that are due within 30 days are displayed on the widget. The user is provided with the option to view all upcoming payments by selecting the View All link.

Each payment record displays the date on which the payment is due, the amount of payment and the name/nickname of the payee towards whom the payment is to be made.

Set Repeat Transfers

The Upcoming Payments widget also contains a link by which the user is able to setup new repeat transfers and also view repeat transfers that have already been initiated.

If the user has no upcoming payments, this widget will only contain the ‘Set Repeat Transfers’ link.

Funds Transfer History Widget Overview

The Funds Transfer History widget enables the user to view the current status of transfers that have been initiated over the past few days (the duration is configured by the system administrator). The transfers in the widget are listed by payee information such as payee name, photo, account number along with the date on which the transfer was processed, the amount and the current status of the transfer. The user is provided with the options to view further details of each transfer and to re-initiate a transfer as well.

Additionally, the option to navigate to the Funds Transfer History screen, on which all the initiated transfers are listed, is also provided.

Home

Manage Payees


4. Manage Payees

The online banking application enables users to register and maintain payees towards whom payments are to be made frequently or on a regular basis. Payee maintenance is beneficial to users as, it spares the user the effort and time spent to fill out the payee information every time a payment is to be initiated towards the payee’s account.

The ‘Manage Payee’ feature not only enables users to register payees, but also enables them to add accounts to a registered payee and view and edit or delete the accounts of existing payees. Additionally, the user can also initiate a payment from this screen by selecting the option ‘Pay’ against a specific account of a payee.

Payees can be created and maintained for the following types of transfers:

Internal Bank Account

Domestic Bank Account

International Bank Account

Domestic Demand Drafts

International Demand Drafts

Pre-Requisites

Transaction access is provided to the retail user

Cooling period is defined

Features Supported In the Application

Create Payee

View Payee

Edit Payee

Delete Payee

Initiate payment towards a Payee

Workflow

How to reach here:

Dashboard > Payments Widget > Manage Payees & Billers

OR

Dashboard > Toggle Menu > Payments > Setups > Manage Payees & Billers OR

Dashboard > Payments Menu > Manage Payees & Billers

Manage Payees


4.1 Payee Summary

The summarized views of all the Payees maintained by the user are listed on the Payee Summary screen. The user is able to search for a specific payee by entering the payee name in the provided search field. The user is able to expand any payee record in order to view the accounts associated with that payee. Subsequently the user is able to view further details of the account associated with the payee and is also able to edit or delete the specific account. The user is also provided with the option to add a new bank account or demand draft to be associated with the payee.

To manage payees:

1. In the Manage Whom field, select the Payee option. All the registered payees are listed down by their names defined at the time of payee creation. Additionally, if a photo has been uploaded to the payee, the payee photo also appears against the payee name.

Manage Payees

Field Description

Field Name Description

Manage Whom The option to either manage payees or billers.

The following fields appear if the option Payees is selected under the field Manage Whom.

Payee Photo Displays the payee's photo, if uploaded, against each payee name. If the payee’s photo is not uploaded, the initials of the payee will be displayed in place of the photo.

Payee Name Displays all the payees by their names defined at the time of payee creation.

Edit Link to edit the payee photo.

Manage Payees



The following fields appear when the icon (expand option) is selected against any payee name.

Payee Account Photo

Displays the photo uploaded against the payee account. If the payee account photo has been deleted, the initials of the payee account will be displayed in place of the photo.

Account Nickname

All the accounts associated with the specific payee will be listed down by their nickname defined at the time of payee creation or account addition.

Account Type The type of account that is associated to the payee will be listed down against the nickname.

Add New Account

Link to add a new bank account to be associated with the payee.

Add New Demand Draft

Link to assign demand draft details to the payee.

2. From the Payee List, select and click on the payee whose details you want to view. OR

Click to search for a specific payee whose details you want to view. The specific payee record appears. OR Click Add New Payee to create a new payee.

OR

Click Edit against a payee photo to edit/upload a photo against the payee.

The popup on which you can upload a photo or edit the photo, if payee photo has already been uploaded, will appear.

Edit Payee Photo

This pop up appears when the user clicks on the Edit link against a payee photo. If a photo has already been uploaded against the payee, the user will be provided with the option to change the photo or to delete it. If the user has not uploaded a photo against the payee, the user will be provided with the option to upload a photo.

Manage Payees


Edit Payee Photo – Change/Remove Photo

Edit Payee Photo – Upload Photo

To edit a payee photo:

3. Click Edit against a payee photo to edit/upload a photo against the payee.

The popup on which you can upload a photo or edit the photo, if payee photo has already been uploaded, will appear.

4. Click Change to edit the photo. This option is available only if a photo has already been uploaded. The window to browse and upload a photo appears. Select a photo to replace the existing payee photo with and click Open. The payee photo gets updated. OR

5. Click Remove to delete the photo. This option is available only if a photo has already been uploaded. The message asking the user to confirm whether the photo is to be removed appears.

Manage Payees


Click Yes to delete the photo. OR Click No to return to the Edit payee photo screen.

6. Click Upload to assign a photo to the payee. The window to browse and upload a photo appears. Select a photo to upload and click Open. The uploaded photo appears and a message conforming the same appears.

Manage Payees – Expanded View

7. Click against a specific account associated with specific payee and then click Pay to transfer funds/ issue demand draft towards the payee.

OR Click View/Edit to view details of the payee account or to edit the payee limits or payee account photo. OR Click Delete to delete the payee. OR Click Add New Account or Add New Demand Draft to add new account type or demand draft type of payee. OR Click Back to Dashboard to navigate back to the dashboard.

4.1.1 View Payee Details

The user is able to view details of the account associated with the payee by selecting the option ‘View/ Edit’ provided against each account record displayed on expansion of a payee record.

To view payee details:

1. From the Payee List, select and click on the expand option provided against the payee whose details you want to view. OR

Manage Payees


Click to search and select the payee whose details you want to view. A card displaying Payee Name, Payee Type and links to add new account or new demand draft to the payee appears. OR Click Add New Payee to create new payee.

2. Click and then click View/ Edit. The View/ Edit Payee screen appears.

View/ Edit Payee

Field Description


Payee Account card Details - Bank Account

The following fields appear if the payee details being viewed are that of a bank account.

Payee Name Name of the payee.

Payee Photo Displays the payee account photo, if uploaded. If the photo has been deleted or if no photo is uploaded, the initials of the payee account will appear in place of the photo.

Account Name Name of the payee as maintained in the bank account.

Nickname The nickname assigned to the payee’s account for easy identification.

Account Type The type of account associated with the payee.

The account types can be:

Internal

Domestic

International

Manage Payees



Pay Via The network through which funds will be transferred to the payee’s bank account. (This field appears if the Account Type is Domestic- UK or SEPA or International).

Bank Details Details of the payee’s bank account which will include the address and bank and branch codes. (This field appears if the Account Type is Domestic or International).

Account Number The bank account number of the payee.

Payee Address Address of the payee in the bank account.

This field appears for International type of payee.

Daily Limit The maximum limit that can be transferred to this account on a daily basis.

Monthly Limit The maximum limit that can be transferred to this account on a monthly basis.

Payee Account Details - Demand Draft

The following fields appear if the payee details being viewed are that of a demand draft.



Nickname The nickname assigned to the payee’s demand draft maintenance for easy identification.

Account Type The type of account associated with the payee. In this case, the account type will be ‘Demand Draft’.

Draft Type The type of draft associated with the Payee.

The demand draft types can be:

Domestic

International

Pay at City The name of the city in which the draft is payable.

Pay At Country The country in which the draft is payable.

This field appears only if the demand draft is an International demand draft.

Delivery Location

The delivery location i.e. the user’s address or selected branch along with the address depending on what was defined at the time of payee creation or addition of new demand draft to the payee.

Manage Payees



Daily Limit The maximum limit that can be transferred to the payee via demand draft on a daily basis.

Monthly Limit The maximum limit that can be transferred to the payee via demand draft on a monthly basis.

Payee Account card Details - (Peer to Peer)

For information on viewing the details of a peer to peer payee, refer the Retail Peer to Peer Payments user manual.

3. Click Pay to transfer funds to the bank account or to issue demand draft depending on the account type maintained. OR

4. Click the (edit option) against the Daily Limit field to edit the daily transaction limit. The Daily Limit field appears in editable mode. OR

Click the (edit option) against the Monthly Limit field to edit the monthly transaction limit. The Monthly Limit field appears in editable mode. OR Click Back to close the pop up and to return to the payee summary screen. Click Remove Limits to delete the set limits assigned to the specific payee account. This option appears only if limits (either daily or monthly) are assigned to the account. The Remove Limits pop-up appears. Select the limit you wish to delete and click OK. A message stating that the selected limit has been removed successfully appears.

OR

5. Click the Change option against the payee account photo to edit the photo. The window to browse and upload a photo appears. Select a photo to replace the existing payee account photo with and click Open. The payee account photo gets updated and a message confirming the same appears.

OR

Click the Remove option against the payee account photo to delete the photo. This option is available only if a photo has been uploaded against the payee account specifically. The message asking the user to confirm whether the photo is to be removed appears. Click Yes to delete the photo. OR Click No to return to the View/Edit Payee screen.

OR

6. Click Upload Photo to assign a photo to the payee account. This option appears if no photo has been uploaded against either the payee group or the payee account. The window to browse and upload a photo appears. Select a photo to upload and click Open. The uploaded photo appears and a message conforming the same appears.

Manage Payees


4.2 Edit Payees(Account Limits)

The user is provided with the facility to assign limits each account of the payee. By way of assigning limits, the user is able to define the maximum daily and/or the maximum monthly limits that are to be applicable to an account of the payee. Alternately the user can also edit or remove these limits, once assigned.

To edit the payee:

1. From the Payee List, select and click on the expand option provided against the payee whose account limits you want to edit. OR

Click to search for a specific payee whose account limits you want to edit. A card displaying Payee Name, Payee Type and links to add a new account or new demand draft to the payee appears.

2. Click and then click View/ Edit. The View/ Edit Payee screen appears.

Manage Payees & Billers - View/ Edit Payee

Field Description


Payee Account Details - Bank Account

The following fields appear if the payee details being viewed are that of a bank account.



Account Name Name of the payee as maintained in the bank account.

Manage Payees



Nick Name Nick name assigned to the payee’s account for easy identification.

Account Type The type of account associated with the payee.

The account types can be:

Internal

Domestic

International

Pay Via The network through which funds will be transferred to the payee’s bank account. (This field appears if the Account Type is Domestic – SEPA or UK or International)

Bank Details Details of the payee’s bank account which will include the address and bank and branch codes. (This field appears if the Account Type is Domestic or International).

Account Number The bank account number of the payee.





Payee Account Details - Demand Draft

The following fields appear if the payee details being viewed are that of a demand draft.



Nick Name The nickname assigned to the payee’s demand draft maintenance for easy identification.

Account Type The type of account associated with the payee. In this case, the account type will be ‘Demand Draft’.

Draft Type The type of draft associated with the Payee.

The demand draft types can be:

Domestic

International

Manage Payees



Pay at City The name of the city in which the draft is payable.

Pay At Country The country in which the draft is payable.

This field appears only if the demand draft is an International demand draft.

Delivery Location

The delivery location i.e. the user’s address or selected branch along with the address depending on what was defined at the time of payee creation or addition of new demand draft to the payee.



Payee Account card Details - (Peer to Peer)

For information on viewing the details of a peer to peer payee, click Payee Maintenance – Peer To Peer Payee.

3. Click the (edit option) against the Daily Limit field to edit the daily transaction limit. The Daily Limit field appears in editable mode. OR

Click the (edit option) against the Monthly Limit field to edit the monthly transaction limit. The Monthly Limit field appears in editable mode.

4. Edit/ enter limits against the daily/ monthly limits field as the case may be. OR Click Remove Limits to delete the set limits assigned to the specific payee account. This option appears only if limits (either daily or monthly) are assigned to the account. The Remove Limits pop-up appears. Select the limit you wish to delete and click OK. A message stating that the selected limit has been removed successfully appears.

5. Click against the Daily Limit / Monthly Limit field to save the changes made. A message stating that the limits have been set appears. OR

Click to cancel the editing. OR Click Pay to transfer funds/ issue demand draft. OR Click Remove Limits to delete the set limits. This option appears only if limits (either daily or monthly) are assigned to the account. The Remove Limits pop-up appears. Select the limit you wish to delete and click OK. A message stating that the selected limit has been removed successfully appears.

OR

Manage Payees


Click Change to Edit the payee account Photo. This option appears only if a photo has been uploaded against the payee account. OR Click Remove to delete the payee account photo. This option appears only if a photo has been uploaded against the payee account.

OR Click Upload Photo to upload a photo against the payee account. This option appears if no photo has been uploaded against either the payee group or the payee account.

4.3 Delete Payee Account/ Demand Draft

To delete the payee:

1. From the Payee List, select and click on the expand option provided against the payee whose account you want to delete. OR

Click to search and select the payee whose details you want to delete. A card displaying Payee Name, Payee Type and links to add a new account or new demand draft to the payee appears.

2. Click and then click Delete. The Delete Payee pop up window appears with a warning message prompting the user to confirm the deletion.

Delete Payee

3. Click Proceed to proceed with the deletion request. OR Click Cancel to cancel the deletion process.

4. The screen confirming payee deletion appears. The details of the account/draft deleted are also displayed on this screen. Click Go to Dashboard to navigate to the dashboard. OR Click More Payment Options to access other payment options.

Manage Payees


4.4 Add New Payee

To add a new payee:

1. In the Manage Payees screen, click the Add New Payee link. The Add New Payee pop up window appears with the options to choose the type of account that is to be assigned to the payee being created.

2. Select the option Bank Account to add a payee having a bank account. For more information on Add Payee - Bank Account, Refer the Add Payee - Bank Account section in this user manual. OR

3. Select the option Demand Draft to add details of a demand draft to be issued to a payee. For more information on Add Payee - Demand Draft, Refer the Add Payee - Demand Draft section in this user manual.

FAQs

1. Can I delete payees towards whom I no longer need to make payments?

You can delete individual accounts or demand drafts of a payee towards whom you no longer wish to make payments. If the payee has a single account or demand draft assigned, the payee record is also deleted. However, if the payee whose account or demand draft details you delete also has other accounts or demand drafts assigned, these accounts or demand draft details will not be impacted by the deletion of any other account or demand draft.

2. Can I edit the payee name or account details of the payee once a payee has been created?

No. You can only edit or remove the limits i.e. the daily or monthly limits assigned to the account or demand draft of the payee.

Home

Add Payee - Demand Draft


5. Add Payee - Demand Draft

A Demand Draft is a pre-paid negotiable instrument. The issuing bank undertakes to make payment in full when the instrument is presented by the payee. The demand draft is made payable at a specified centre and can be issued in local currency as well as in (allowed) foreign currencies. A foreign currency demand draft can be requested using International Demand Draft while a pay order or local currency demand draft can be requested using the Domestic Demand Draft transaction. A Demand Draft, as compared to a cheque is issued by the Bank against the Bank’s own funds and hence there is a reduced risk of the cheque not clearing. Users are able to save the payee details of the draft through payee maintenance. Beneficiary for demand drafts are of two types:

Domestic Demand Draft

International Demand Draft

The application also provides an additional option to have the demand draft delivered at the customer’s convenience. The following are provided for the same:

My address – This option enables the user to select a branch of the bank (issuing bank) at which the draft is to be delivered.

Branch Near Me – This option enables the user to specify which registered address of the user (out of the user’s work, residential or postal address) the draft is to be delivered at.

Other Address: This option enables the user to specify an address at which the draft is to be delivered. The user can select this option if he wishes to have the draft delivered to an address that is different from that of any of the bank’s branches or any of the user’s registered addresses.

How to reach here:

Dashboard > Payments Widget > Manage Payees & Billers > Add New Payee > Demand Draft > Add Payee

OR

Dashboard > Toggle Menu > Payments > Setups > Manage Payees & Billers > Add New Payee > Demand Draft > Add Payee OR Dashboard > Payments Menu > Transfer Money > Manage Payees & Billers > Add New Payee > Demand Draft > Add Payee

To add a new demand draft payee:

1. Click the Add New Payee link on the Manage Payees screen. The pop up screen on which to specify the transfer type i.e. bank account or demand draft appears.



Add New Payee popup screen

Field Description


What type of payee would you like to add?

The transfer type of the new payee.

The type can be:

Bank Account

Demand Draft

2. Select the Demand Draft option click Ok, to create Demand Draft type of payee. The Add Payee screen appears.

5.1 Add Payee - Domestic Demand Draft

A Domestic Draft payee is created to initiate a request to issue a draft which is payable at a location within the country. The user provides the payee details, the details of draft to be issued in favour of and the payable location.



To create a domestic draft payee:

Add Payee - Domestic Demand Draft

Field Description


Payee Name Specify the name by which the payee is to be identified.

Upload Photo Select this option to upload a photo against the payee.

Draft Type Select the type of draft to be associated with the Payee.

The options are:

Domestic

International

Draft Favoring The name of the payee i.e. the intended recipient of the funds.




Draft Payable at City

The name of the city in which the draft is payable.

Delivery Location

Select the option to identify where you would like the draft delivered.

The options are:

Branch Near Me: On selecting this option, the fields by which you can select a branch of the bank at which the draft is to be delivered will appear.

My Address: Select this option to have the draft delivered at any of your addresses (work, residence or postal) registered with the bank.

Other Address: Select this option to have the draft delivered at an address other than that of a branch of the bank or your registered address. On selecting this option, the fields in which you can enter an address appear.

The following section appears if you select the Branch Near Me option as draft delivery location.

City Select the name of the city to filter the branches so as to be able to select a branch in the city of your choice.

Branch Near Me Select the branch at which you would like the draft to be delivered.

Branch Address The complete name and address of the selected branch is displayed.

The following section appears if you select the My Address option as draft delivery location.

Select Address Select the address at which you want the draft to be delivered.

The options are:

Work

Residence

Postal

Address Details The details of the selected address are displayed.

The following section appears if you select the Other Address option as draft delivery location.

Address Line 1-2 Enter lines 1 and 2 of the address at which you wish to have the draft delivered.

City Enter the name of the city in which the draft to be delivered.

State Enter the name of the state in which the draft is to be delivered.




Zip Code Enter the zip code of the address at which the draft is to be delivered.

1. In the Payee Name field, enter the name of the payee for identification.

2. Click on the Upload Photo link to upload a photo against the payee.

Note: Once a photo is uploaded against the payee, the options Change and Remove appear against the photo.

Click Change to modify the uploaded payee photo. OR Click Remove to delete the uploaded payee photo.

3. In the Draft Type field, select the option Domestic.

4. In the Draft Favouring field, enter the name of the payee of the draft.

5. In the Draft payable at City field, select the name of the city at which the draft is to be payable.

6. In the Delivery Location field, select the appropriate draft delivery option.

a. If you select Branch Near Me option;

i. From the City list, select the city so as to filter the branches based on city of choice.

ii. From the Branch Near Me list, select the branch at which you want the draft to be delivered. The complete address of selected branch appears.

b. If you select My Address option;

i. From the Select Address list, select the option of choice. The complete address of user as maintained corresponding to the selected address appears.

c. If you select the option Other Address; specify address at which the demand draft is to be delivered.

i. In the Address Line 1 and Address Line 2 fields, enter the address at which the draft is to be delivered.

ii. In the City field, enter the name of the city at which the draft is to be delivered.

iii. In the State field, enter the name of the State in which the draft is to be delivered.

iv. In the Zip Code field, enter the zip code of the address at which the draft is to be delivered.

7. Click Add to add a payee. OR Click Cancel to cancel the transaction. OR Click the Back to Dashboard link, to navigate to the Dashboard.

The Add Payee - Review screen appears. Verify the details, and click Confirm. OR Click Cancel to cancel the transaction and to navigate back to the Dashboard.

OR



Click Back to return to the Add Payee screen.

8. The success message appears along with the draft details. Click Go to Dashboard, to navigate to the Dashboard. OR Click More Payment Options to access other payment options. OR Click Pay Now to initiate draft issuance to the added payee. OR Click Setup Payee Limits to assign limits (daily and/or monthly) to the payee’s account.

5.2 Add Payee - International Demand Draft

An International Draft payee is created to initiate a request to issue a draft which is payable at a location outside the country. The user provides the payee details, the details of draft to be issued in favor of and the payable location.

To create an international demand draft payee:

Demand Draft – International Demand Draft Payee



Field Description




Draft Type Select the type of draft to be associated with the Payee.

The options are:

Domestic

International

Draft Favoring The name of the payee i.e. the intended recipient of the funds.

Draft payable at Country

The name of the country in which the draft is payable.

This field is enabled if the International option is selected as Draft Type.

Draft payable at City

The name of the city in which the draft is payable.

Delivery Location


The options are:

Branch Near Me: On selecting this option, the fields by which you can select a branch of the bank at which the draft is to be delivered will appear












The options are:

Work

Residence

Postal



Country Select the country in which the draft is to be delivered.






2. Click on the Upload Photo link to upload a photo against the payee.



3. In the Draft Type field, select International option.

4. In the Draft Favouring field, enter the name of the payee of the draft.

5. In the Draft Payable at Country field, select the country in which the draft is to be payable.

6. In the Draft Payable at City field, name of the city at which the draft is to be payable.


a. If you select Branch Near Me option;



b. If you select My Address option;



i. From the Select Address list, select the option of choice. The complete address of user as maintained corresponding to the selected address appears.

c. If you select Other Address option; specify address at which the demand draft is to be delivered.

i. From the Country field, select the country in which the draft is to be delivered.

ii. In the Address Line 1 and Address Line 2 fields, enter the address at which the draft is to be delivered.

iii. In the City field, enter the name of the city at which the draft is to be delivered.

iv. In the State field, enter the name of the State in which the draft is to be delivered.

v. In the Zip Code field, enter the zip code of the address at which the draft is to be delivered.

8. Click Add to add a payee. OR Click Cancel to cancel the transaction. OR Click the Back to Dashboard link, to navigate to the dashboard.

The Add Payee - Review screen appears. Verify the details, and click Confirm. OR Click Cancel to cancel the transaction and navigate back to the Dashboard.

OR


9. The success message appears along with the draft details. Click Go to Dashboard, to navigate to the dashboard. OR Click More Payment Options to access other payment options. OR Click Pay Now to initiate draft issuance to the added payee. OR Click Setup Payee Limits to initiate set-up daily limits and monthly limits.

FAQs

1. When can I make the payment to newly added payee?

After successfully adding a payee, you may proceed to transfer funds only after the cooling period (the time set by the bank during which fund transfer is not allowed to a newly added payee) or you may set a future date for the transaction to take place.

2. If I delete or edit a payee, what will happen to the in-flight transactions?

Payee modification or deletion will not have any impact on the transactions which are initiated towards the payee and that are pending further processing.

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Add Payee - Bank Account


6. Add Payee - Bank Account

While adding a payee, the user is provided with the option to either assign an account number to the payee or to define a demand draft template to be used while issuing demand drafts towards the payee.

This section documents the addition of a payee with transfer type as bank account.

Internal

Domestic

International

How to reach here:

Dashboard > Payments Widget > Manage Payees & Billers > Add New Payee > Bank Account OR Dashboard > Toggle Menu > Payments > Setups > Manage Payees & Billers > Add New Payee > Bank Account OR Dashboard > Payments Menu > Transfer Money > Manage Payees & Billers > Add New Payee > Bank Account

To add new payee:

1. Click the Add New Payee link on the Manage Payees screen. The pop up screen appears on which to specify the transfer type i.e. bank account or demand draft, appears.

Add New Payee popup screen



Field Description


What type of payee would you like to add?

The transfer type of the new payee.

The types can be:

Bank Account

Demand Draft

2. Select the Bank Account option click Ok, to create bank account type of payee. The Add Payee screen appears.

6.1 Add Payee - Internal Bank Account

While creating a payee that has an internal bank account, i.e. an account that is held in the same bank as that of the user’s, in addition to the basic payee information that needs to be captured, the account number and branch in which the payee’s account is held will also need to be identified.

To add a payee with an internal account:

1. In the Account Type field, select the Internal option as type of account associated with the payee.

Add Payee – Internal Account



Field Description




Account Type Select the type of account associated with the payee.

The options are:

Internal

Domestic

International

Account Number Specify the account number of the payee.

Confirm Account Number

The user is required to re-enter the payee’s account number in this field so as to confirm the same.

Account Name Enter the name of the payee as maintained against the payee’s bank account.

Nickname Specify a nickname to be assigned to the specific account of the payee for the purpose of easy identification.

2. In the Payee Name field, enter the name of the payee.

3. Click the Upload Photo link to upload a photo against the payee.




5. In the Account Number field, enter the payee’s account number.

6. In the Confirm Account Number field, re-enter the payee’s account number.

7. In the Account Name field, enter the payee name.

8. In the Payee Name field, enter the payee's names as maintained against the payee’s account.

9. In the Nickname field, enter a nick name a nickname to be assigned to the specific account of the payee.

10. Click Add to add a payee. OR Click Cancel to cancel the transaction.



OR Click the Back to Dashboard link, to navigate to the dashboard.

The Add Payee - Review screen appears. Verify the details, and click Confirm. OR Click Cancel to cancel the transaction and to navigate back to ‘Dashboard’.

OR


11. The success message appears along with the account details. Click Go to Dashboard, to navigate to the dashboard. OR Click More Payment Options to access other payment options. OR Click Pay Now to initiate a fund transfer towards the added payee. OR Click Setup Payee Limits to assign limits (daily and/or monthly) to the payee’s account.

6.2 Domestic Account transfer

A domestic account transfer is one which involves the transfer of funds to an account that is held with another bank within the same country. Hence, while adding a payee that has a domestic bank account, details of the payment network, through which funds are to be transferred, along with the bank and branch in which the payee’s account is held will also need to be captured in addition to the payee details and account specific information.

6.2.1 Domestic Account - India

The following steps are applicable for domestic account payee creation if the geographical region configured is India.

To add a payee for domestic account transfer:

1. In the Account Type field, select the option Domestic to indicate the type of account associated with the payee.



Add Payee – Domestic Account

Field Description





The options are:

Internal

Domestic

International




Account Number

Specify the account number of the payee.




Payee Account Type

Select the type of account associated with the payee.

The options are:

Savings

Current

Overdraft

Cash Credit

Loan Account

NRE

IFSC Code Specify the IFSC /Bank Code of the payee’s account.

IFSC Code Look up

The following fields are displayed on a pop up window if the Lookup IFSC Code link is selected.

IFSC Code The facility to lookup bank details based on the IFSC Code.

Bank Name The facility to lookup the bank details based on bank name.

State The facility to lookup bank details by combining search through IFSC Code and Bank Name along with the state in which the payee’s account is held.

City The facility to lookup bank details by combining search through IFSC Code and Bank Name along the city in which the payee’s account is held.

IFSC Code Lookup - Search Result

The following details are displayed per record as search results arrived at based on the information defined in the search fields.

Bank Name Name of the bank.

Branch Bank branch name.

Address The complete address of the bank.




IFSC Code The IFSC code value. This value will be displayed as a link which will be selectable. On selecting the link, the IFSC code and bank details are populated on the Add Payee – Domestic Account screen.

Bank Details The details of the bank that include the IFSC Code as well as the name and address of the bank and branch in which the payees account is held.









7. From the Payee Account Type list, select the type of account associated with the payee.

8. In the IFSC Code field, enter the IFSC /Bank Code or select it from the lookup.

9. If you search the IFSC code by clicking the Lookup IFSC Code link. In the IFSC Code and Bank Name field, enter the IFSC code and bank name of the beneficiary bank. Specify either the name of the city or the state in which the payee’s account is held in the fields City or State. Click Search. The bank details appear. Click the IFSC Code link from the search results. The bank details get populated on the Add Payee – Domestic Account screen. OR Enter the IFSC /Bank Code, click Verify to fetch bank details based on Bank Code (BIC). OR Click Reset to clear the populated data and enter/ select a new IFSC Code.

10. In the Nickname field, enter the nick name to be assigned to the specific account of the payee.


The Add Payee - Review screen appears. Verify the details, and click Confirm. OR Click Cancel to cancel the transaction and navigate back to ‘Dashboard’.



OR


12. The success message appears along with the account details. Click Go To Dashboard, to navigate to the dashboard. OR Click More Payment Options to access other payment options. OR Click Pay Now to initiate fund transfer towards the added payee. OR Click Setup Payee Limits to assign limits (daily and/or monthly) to the payee’s account.

6.2.2 Payee Maintenance – UK Bank Account

The following steps are applicable for domestic account payee creation if the geographical region configured is the UK.


1. In the Account Type field, select the Domestic option as type of account associated with the payee.

Add Payee – UK Bank Account – Non Urgent



Add Payee – UK Bank Account – Urgent



Add Payee – UK Bank Account – Faster

Field Description





The options are:

Internal

Domestic

International

Payment Type Select the type of UK payment

The options are:

Urgent (Requires SWIFT code)

Non-Urgent (Requires Sort code)

Faster (Requires Sort code)








UK Payment - Non-Urgent and Faster payment

The following fields are applicable if either of the two options, Non-Urgent or Faster are selected as Payment Type.

Sort Code Specify the Sort code associated with the payee’s account.

Sort Code Lookup

The following fields are displayed on a pop up window if the Lookup Sort Code link is selected.


City The facility to lookup bank details based on name of the city in which the payee’s account is held.

Sort Code Lookup - Search Result



Bank branch Bank branch name.


Sort Code The Sort Code value. This value will be displayed as a link which will be selectable. On selecting the link, the Sort code and bank details are populated on the Add Payee – Domestic Account screen.

Bank Details The details of the bank that include the Sort Code as well as the name and the address of the bank and branch in which the payee’s account is held.

UK Payment - Urgent

The following fields are applicable if the option Urgent is selected as Payment Type.

SWIFT Code Specify the SWIFT code associated with the payee’s account.

SWIFT Code Lookup

The following fields are displayed on a pop up window if the Lookup SWIFT Code link is selected.




SWIFT Code The facility to lookup bank details based on the SWIFT Code.


Country The facility to lookup bank details by combining search through SWIFT Code and Bank Name along with the country in which the payee’s account is held.

City The facility to lookup bank details by combining search through SWIFT Code and Bank Name along the city in which the payee’s account is held.

SWIFT Code Lookup - Search Result




SWIFT Code The SWIFT code value. This value will be displayed as a link which will be selectable. On selecting the link, the SWIFT code and bank details are populated on the Add Payee – Domestic Account screen.






4. In the Payment Type field, select the specific network for payment.

a. If you select either the Non-Urgent or Faster payment option:

i. In the Account Number field, enter the payee’s account number.

ii. In the Confirm Account Number field, re-enter the payee’s account number.

iii. In the Account Name field, enter the payee name.

iv. In the Sort Code field, enter the Sort Code or select it from the lookup. OR Click Reset to clear the populated data and enter/ select a new Sort Code.

v. Click Verify to fetch bank details based on the Sort Code.

b. If you select Urgent payment option:






iv. In the Swift Code field, enter the Swift Code or select it from the lookup. OR Click Reset to clear the populated data and enter/ select a new Swift Code.

v. Click Verify to fetch bank details based on the SWIFT Code.



The Add Payee – Review screen appears. Verify the details, and click Confirm. OR Click Cancel to cancel the transaction and to navigate back to ‘Dashboard’.

OR


7. The success message appears along with the account details. Click Go To Dashboard, to navigate to the dashboard. OR Click More Payment Options to access other payment options. OR Click Pay Now to initiate fund transfer to the added payee. OR Click Setup Payee Limits to assign limits (daily and/or monthly) to the payee’s account.

6.2.3 Domestic Account – SEPA Payment

The following steps are applicable for domestic account payee creation if the geographical region configured is any of the member states that comprises the European Union.


1. In the Account Type field, select the option Domestic to indicate the type of account associated with the payee.



Add Payee – SEPA Payment – Card



Add Payee – SEPA Payment – Credit

Field Description





The options are:

Internal

Domestic

International

Payment Type Type of account associated with the payee.

The options are:

Card Payment

Credit Transfer




Account Number (IBAN)

Specify the international bank account number of the Payee.




Bank Code (BIC) Enter the international bank code of the bank in which the payee’s account is held.

Look up Bank (BIC) Code

The following fields are displayed on a pop up window if the Look up Bank (BIC) Code link is selected.


The facility to lookup bank details based on the BIC Code.



Bank (BIC) Code Lookup - Search Result




(BIC) Code The (BIC) Code value. This value will be displayed as a link which will be selectable. On selecting the link, the BIC code and bank details are populated on the Add Payee – Domestic Account screen.












8. In the Bank Code (BIC) field, enter the international Bank code of the debtor bank. OR Click Reset to clear the populated data and enter/ select a new Bank Code (BIC).

9. Click Verify to fetch bank details.

10. In the Nickname field, enter the nick name to identify the payment destination (account).

11. Click Add to create the payee. OR Click Cancel to cancel the transaction.

The Add Payee – Review screen appears. Verify the details, and click Confirm. OR Click Cancel to cancel the transaction.

OR


12. The success message appears along with the account details. Click Go To Dashboard, to navigate to the dashboard. OR Click More Payment Options to access other payment options. OR Click Pay Now to initiate fund transfer to the added payee. OR Click Setup Payee Limits to initiate set-up daily limits and monthly limits.

6.3 Add Payee – International Bank Account

An international fund transfer involves the transfer of funds to an account that is maintained outside the country and beyond geographical boundaries. Hence, while adding a payee who holds an international account, the user is required to specify extensive details of the payee’s account including the network code to be used to transfer money to the account as well as the details of the bank in which the account is held.

To add a payee with an international account:

1. In the Account Type field, select the International option as type of account associated with the payee.



Add Payee - International Account

Field Description





The options are:

Internal

Domestic

International








Address Line 1- 2 Address of the payee.

City City of the payee.

Country Country of the payee.

Pay Via Select the network through which the transfer is to take place.

The options are:

Swift Code

NCC (National Clearing code)

Bank Details

SWIFT / National clearing code value

The SWIFT code will need to be identified if SWIFT Code has been selected in the Pay Via field.

Lookup Swift Code

Link to search the SWIFT code.

SWIFT Code Look up

The following fields appear on a pop up window if the Lookup SWIFT Code link is selected.

SWIFT Code The facility to lookup bank details based on SWIFT code.

Bank Name The facility to search for the SWIFT code based on the bank name.

Country The facility to search for the SWIFT code based on the country.

City The facility to search for the SWIFT code based on city.


Bank Name The names of banks as fetched on the basis of the search criteria specified.

Address The complete address of each bank as fetched on the basis of the search criteria specified.




SWIFT Code The list of SWIFT codes as fetched on the basis of the search criteria specified.

National Clearing Code

The national clearing code will need to be identified if NCC has been selected in the Pay Via field.

Lookup National clearing code

Link to search the National clearing code.

National clearing code Look up

The following fields appear on a pop up window if the Lookup National Clearing Code link is selected.

NCC Type The facility to search for the national clearing code by type.

NCC Code The facility to search for bank details by defining the national clearing code.

Bank Name The facility to search for the national clearing code by defining the name of the bank.

City The facility to search for the national clearing code by city.

NCC Lookup - Search Result



Address Displays complete address of the bank.

NCC Code NCC code of the bank branch.

Bank Details Bank details based on the Swift / National clearing code selected for the bank.

Below fields appears if the Bank Details option is selected in Pay Via field.

Bank Name Name of the bank in which the payee account is held.

Bank address Complete address of the bank at which the payee account is held.

Country Country of the bank.

City City to which the bank belongs.











7. In the Address Line 1 and 2 enter the address of the payee.

8. In the City field, enter the city of the payee.

9. From the Country list, select the country of the payee.

10. In the Pay Via field, select the appropriate network for payment.

a. If you select Swift option:

i. In the SWIFT code field, enter the SWIFT code or select it from the lookup. OR Click Reset to clear the populated data and enter/ select a new SWIFT code.

ii. Click Verify to fetch bank details based on Bank Code (BIC).

b. If you select NCC option:

i. In the National Clearing code field, enter the National Clearing code or select it from the lookup.


c. If you select Bank details option:

i. In the Bank Name field, enter the bank name.

ii. In the Bank Address field, enter the complete address of the bank.

iii. From the Country list, select the country of the bank.

iv. From the City list, select the city to which the bank belongs.



The Add Payee – Review screen appears. Verify the details, and click Confirm. OR Click Cancel to cancel the transaction and navigate back to ‘Dashboard’.

OR




13. The success message appears along with the reference number, account details, bank details and payee address. Click Go To Dashboard, to navigate to the dashboard. OR Click More Payment Options to access other payment options. OR Click Pay Now to initiate fund transfer towards the added payee. OR Click Setup Payee Limits to assign limits (daily and/or monthly) to the payee’s account.

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Transfer Money


7. Transfer Money

The Transfer Money feature enables the user to initiate online payments from his bank account to any other bank account. Through this feature, the user is provided with the option to either transfer funds within his own accounts held in the same bank by selecting the ‘My Accounts’ option or to transfer funds to other accounts (held within the same bank or in other banks within the same country or even to accounts held beyond geographical boundaries) by selecting the ‘Existing Payee’ option. The ‘New Payee’ option enables the user to initiate peer to peer payments towards email or mobile contacts or even towards facebook contacts. The user can also opt to register payees towards whom he intends to initiate payments in the future by selecting the option ‘Bank Account’ under the ‘New Payee’ option.

On selecting the option, ‘Existing Payee’, the user has to simply select a payee and subsequently select the specific account of the payee towards which the transfer is to take place. The user is not required to explicitly select the transfer type (internal, domestic or international) since this categorization is undertaken at the time of payee creation when defining the payees bank account details.

Transfer money also allows initiating Peer to Peer transfer via New Payee option (email/mobile, bank account).

Prerequisites:

Transaction and account access is provided to retail user

Transaction working window is maintained

Payees are registered for the purpose of transferring funds via the ‘Existing Payee’ option

The retail user has a valid active facebook account for the purpose of transferring funds via Facebook available as a sub option under the ‘New Payee’ option.

The retail user has a valid active Twitter account to transfer funds via Twitter available as a sub option under the ‘New Payee’ option.

Purpose of Payments are maintained

Transaction limits are assigned to user to perform the transaction

Payee limits, cooling period along with transaction limits are maintained

Features supported in the application

The ‘Transfer Money’ feature enables users to make payments towards:

Existing Payees - Internal, Domestic and International transfers are supported and are triggered based on the payee and specific payee account selection.

To My Account – Users are able to transfer funds within their own accounts held in the bank.

To New Payee – By selecting this option, users can initiate fund transfers towards email, mobile and facebook and twitter contacts. Alternately, if the intended recipient of the funds is not yet registered as a payee, the user can also select the option ‘Bank Account’ in order to be navigated to the screen from which he can register an intended recipient as a payee.

Transfer Money


Workflow

How to reach here:

Dashboard > Payments Widget > Transfer Money OR Dashboard > Toggle Menu > Payments > Payments and Transfers > Transfer Money

7.1 Transfer Money - Existing Payee

The existing payee option of the ‘Transfer Money’ feature enables the user to initiate payments towards existing registered payees. All account payees created by the logged in user are listed for selection. On selecting a payee, the user must select the specific account of the payee towards which the transfer is to be made. Once the payee’s account has been selected, the details are auto populated on transaction screen. The user is then required to fill in payment details to initiate the funds transfer. Payment details will vary based on the transfer type associated with the payee’s account. The user can also view the payee and transaction limits by selecting the ‘View Limits’ link provided on the screen.

How to reach here:

Dashboard > Payments Widget > Transfer Money > Existing Payee OR

Dashboard > Toggle Menu > Payments > Payments and Transfers > Transfer Money > Existing Payee

To transfer money to existing payee:

1. In the Transfer Type field, select the Existing Payee option. The fields by which to initiate a fund transfer to an existing payee appear.

Transfer Money


Transfer Money - Existing Payee

Field Description


Transfer Type Select the type of transfer that you wish to initiate.

The options are:

Existing payee

New payee

My Accounts (User's own accounts)

Transfer Money



Existing Payee

The following fields appear if the Existing Payee option is selected in Transfer Type field.

Payee Select the payee towards whom you wish to make a funds transfer and subsequently select the specific account of the payee in which the funds are to be transferred.

The following details of the selected payee appear once you have selected the payee and payee account number from the Payee field.

Payee Account Photo

The photo of the selected payee account appears.

Payee Name The name of the selected payee appears in the format Payee group name – Payee account name.

Account Number On selecting the payee, the account number associated with the payee appears.

Account Type Type of account or transfer type associated with the payee appears, once a payee is selected.

Account Name The name of the payee in the bank account appears.



Bank Details The details of the bank i.e. the name and address of the bank’s branch in which the payee’s account is held appears.

Transfer From Select the source account from which the funds are to be transferred.

Balance On selecting a source account, the net balance of the account appears below the Transfer From field.

Currency Select the currency in which the transfer is to take place.

Currency is defaulted to destination account currency for Own and Internal Transfer and local currency for Domestic Transfer.

For International transfer, the user can select the currency from the list

Amount Specify the amount to be transferred.

View Limits Link to view the transaction limits applicable to the user.

For more information on Limits, refer View Limits section.

Transfer Money



Transfer When The facility to specify when the funds are to be transferred.

The options are:

Now: transfer funds on the same day

Later: transfer funds on a future date

Pay Via Select the network through which the transfer is to take place. This field is displayed only if the transfer is a Domestic transfer in India region.

The options are:

NEFT

RTGS

IMPS

Note: The networks available for selection will be dependent on certain factors such as whether the payee’s bank supports the network or not, the amount entered and the network working window.

Additionally, any one network, out of the enabled networks, will be suggested based on preferences allocated to each network by an administrator. This is simply a suggestion and the user can select any other network out of the enabled networks.

Transfer Date Date of transfer.

This field appears if the option Later is selected from the Transfer When list.

Correspondence Charges

The facility to select the party by whom transfer charges are to be borne.

The options are:

Payee: transfer charges are to be borne by the beneficiary

Payer: transfer charges are to be borne by the ordering customer

Shared: transfer charges are to be borne by both the payee and payer

This field appears if the transfer being initiated is an International transfer.

Transfer via Intermediary Bank

Specify whether the fund transfer is to be done through intermediary bank.

Note: This field appears only for International Payee.

Transfer Money



Pay Via Network for payment.

The options are:

Swift Code


Bank Details

This field appears if you select Yes option from Transfer via Intermediary Bank field.


SWIFT code /National Clearing code value.

SWIFT code Look up

Below fields appears if the SWIFT Code option is selected in Pay Via field.

Lookup Swift Code


SWIFT Code SWIFT code value.

Bank Name Bank name to search the SWIFT code.

Country Country name to search the SWIFT code.

City City name to search the SWIFT code.




SWIFT Code SWIFT code /National Clearing code value.


Below fields appears if the National clearing code option is selected in Pay Via field.



NCC Type NCC type of the bank branch.



Transfer Money







Address Address of the bank.




Bank address Complete address of the bank.



Payment Details Specify payment details.

This field appears if the transfer type being initiated is an international transfer.

Add Payment Details

The link to add more details of the transfer.

Note: This field is displayed only for International Payee.

Note Select the note for the transaction.

The drop-down to select the note appears for International Payee.

Enter the additional note or remarks, if required.

2. From the Payee list, select the preferred payee, and subsequently select the specific account of the payee towards which the transfer is to be made. The payee details of the selected payee appear. OR

Click if you want to select a different payee.

3. From the Transfer From account list, select the account from which transfer needs to be made.

4. If the transfer being initiated is towards an International account, select the appropriate currency from the Currency list.

5. In the Amount field, enter the transfer amount.

6. In the Transfer When field, select the option to indicate when the transfer is to take place.

Transfer Money


a. If you select the option Now, the transfer will be made on the same day. OR If you select the option Later, select the date on which you want the transfer to be initiated from the Transfer Date field.

7. If the transfer type is Domestic (India region), in the Pay Via field, select the appropriate network, out of the enabled networks, for payment.

8. If the transfer type is International,

a. Select the appropriate option from the Correspondence Charges list.

b. In the Transfer via Intermediary Bank field, select the appropriate option.

c. If you have selected Yes option in the Transfer via Intermediary Bank field, select the appropriate network for payment in the Pay Via field.

i. If you select Swift option:

i. In the SWIFT code field, enter the SWIFT code or search and select it from the lookup.


ii. If you select National Clearing code option:

i. In the National Clearing code field, enter the National Clearing code or search and select it from the lookup.


iii. If you select Bank details option:





d. In the Payment Details field, enter the details of the fund transfer. OR Click the Add Payment Details link to add more details of the transfer, if required.

e. From the Note list, select the remarks/ notes for transaction.

f. In the Note field, enter the additional remarks/ notes for transaction, if required.

9. Click Transfer to initiate the payment. OR Click Cancel to cancel the operation and navigate back to ‘Dashboard’. OR Click the Back to Dashboard link, to navigate to the dashboard.

10. The Transfer Money - Review screen appears. Verify the details, and click Confirm. OR Click Back to navigate back to previous screen. OR Click Cancel to cancel the operation and navigate back to ‘Dashboard’.

Transfer Money


Note: 1) Service Charges and Total Debit Amount are displayed on Domestic (NEFT & RTGS) Transfers Review & Confirm screens. This is supported for host integration FCR only. 2) If a standing instruction or a pay later transfer is due to the payee within the next X days (as configured), a warning message will appear on the review page intimating the user about the same. This is applicable only if the transfer being initiated is an internal or domestic transfer.

11. The Verification screen appears if the transaction is configured for Two Factor Authentication.

12. The success message appears, along with the transaction reference number, host reference number, UETR number, transaction details and intermediary bank details. Click Go to Dashboard, to navigate to the dashboard. OR Click More Payment Options to access other payment options. OR Click Add Favorite to mark the transaction as favorite. For more information, refer Favorites. OR Click Set Repeat Transfer to initiate standing instructions. For more information, refer Repeat Transfers.

Note: ‘Set Repeat Transfer’ link appears only in the case of Domestic and Internal Transfers.

Transfer Money


7.2 Transfer Money - New Payee

By selecting the ‘New Payee’ option, the user is provided with three choices by which to initiate a fund transfer. They are as follows:

Email/Mobile

The Email/Mobile option enables the user to initiate a funds transfer towards an email or mobile contact. The user has to simply specify the email address or the mobile number of the intended payee and specify other transfer related details such as the transfer amount and source account. Once the transfer is initiated, the funds are transferred to the account number associated with that email address or mobile number.

Bank Account

The user can select this option if he wishes to initiate a transfer towards a beneficiary who is not yet registered as a payee. On selecting this option, the user will be directed to a screen from which he can select the option to navigate to the screen on which he can register a payee.

Facebook

By selecting this option, the user is able to transfer funds to a facebook contact. Funds can be transferred towards only those facebook contacts who have registered themselves for this facility with the bank via facebook.

Using this option you can transfer funds from your account to payee account within the bank, within the country or outside the country by specifying email or mobile number or to your facebook contacts having zigbank bank account.

Twitter

On selecting this option, the user is able to transfer funds to a Twitter follower. The user can select any one follower as the recipient of the funds transfer.

For details on the New Payee option under Transfer Money, refer User Manual Oracle Banking Digital Experience Retail Peer To Peer Payments.

7.3 Transfer Money - My Accounts

By selecting the ‘My Accounts’ option as transfer type, the user is able to initiate funds towards his own accounts held with the bank.

To transfer money to own account:

1. In the Transfer Type field, select the My Accounts option. The fields by which to initiate an own account transfer appear.

Transfer Money


Transfer Money - My Accounts

Field Description


Transfer Type Select the type of transfer that you wish to initiate

The options are:

Existing payee

New payee

My Accounts (User's own accounts)

My Accounts

Account Number Select the account number towards which you want to transfer funds.

Balance The net balance of the selected account is displayed once an account is selected in the Account Number field.



Transfer Money




Currency is defaulted to destination account currency for Own and Internal Transfer and local currency for Domestic Transfer.

For International transfer, the user can select the currency from the list.





The options are:


Later: transfer funds on a future date.


This field appears if you select option Later from the Transfer When list.

Note Narrative for the transaction.

2. From the Account Number list, select the account to which the funds need to be transferred.




a. If you select the option Now, transfer will be done on same day. OR If you select the option Later select the date on which you want the transfer to be initiated from the Transfer Date field.

6. In the Note field, enter the additional remarks/ notes for transaction, if required.

7. Click Transfer to initiate funds transfer. OR Click Cancel to cancel the operation and navigate back to ‘Dashboard’. OR Click the Back to Dashboard link, to navigate to the dashboard.

8. The Transfer Money - Review screen appears. Verify the details, and click Confirm. OR Click Back to navigate back to previous screen. OR Click Cancel to cancel the operation and navigate back to ‘Dashboard’.

9. The Verification screen appears if transaction is configured for Two Factor Authentication.

10. The success message appears, along with the transaction reference number, host reference number and transaction details.

Transfer Money


Click Go to Dashboard, to navigate to the dashboard. OR Click More Payment Options to access other payment options. OR Click Add Favorite to mark the transaction as favorite. For more information refer Favorites. OR Click Set Repeat Transfer to initiate standing instructions. For more information refer Repeat Transfers.

FAQs

1. Can I use the Transfer Money transaction to transfer the funds towards the repayment of a loan that I hold in same bank?

No, fund transfers can be made only to current or savings account through the transfer money transaction.

2. Can I set a future date for a fund transfer?

You can set a future date for a payment using the Pay Later option.

3. What happens if I have set up a future dated transfer, but don't have enough funds in my account on the transaction date for the transfer?

Balance check will not be performed at the time of transaction initiation with future date. The transaction will get declined in case of insufficient funds in the account on the given transaction date.

4. What happens if the transaction amount is less than set Transaction Limit?

If the transaction amount is less than the minimum limit or more than the maximum transaction limit set by the Bank, the user will not be able to initiate the transfer.

5. Can I make a payment to an account which is currently not registered as my payee?

If you want to make a payments towards a beneficiary who is not yet registered you can select the option, ‘Bank Account’ under the ‘New Payee’ option to be navigated to the screen on which you can register the intended beneficiary as a payee. You can then initiate transfers towards this payee via the ‘Existing Payee’ option. Alternately, you can transfer funds towards accounts that you have not registered through the ‘Adhoc Transfer’ transaction.

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Multiple Transfers


8. Multiple Transfers

The Multiple Transfers feature enables users to initiate transfers towards a group of people as part of a single transaction. Through this feature, users can initiate transfers towards registered payees of different transfer types i.e. internal, domestic and international transfers, with different transfer dates, all at once from a single screen.

Prerequisites:

Transaction and account access is provided to the retail user

Transaction working window is maintained for the underlying transfer types

Registered payees are maintained


Transaction limits are assigned to the user to perform the transaction

Payee limits and cooling period limits are maintained

Workflow

How to reach here:

Dashboard > Toggle Menu > Payments > Payments and Transfers > Multiple Transfers OR Dashboard > Payments Menu > Multiple Transfers

Multiple Transfers


Multiple Transfers

Multiple Transfers


Field Description


The following fields are applicable for each individual transfer record that comprises the multiple transfers transaction:

Payee Record Number

Payee Record Number. The payee record number appears on the top of each record so as to identify the number of payees being added.

Payee Select the payee to whom funds transfer needs to be made. Each payee is identified by the payee nick name defined at the time of payee registration. Once a payee has been selected, the details of the payee including the payee account photo, payee nickname, account number, account type, etc. will be displayed on the screen.

Account Number On selecting the payee, the account number associated with the payee appears.

Account Type The type of account or transfer type associated with the payee appears, once a payee is selected.








Currency is defaulted to destination account currency for Internal Transfers and local currency for Domestic Transfers.

For International transfers, the user can select the currency from the list.





The options are:



Multiple Transfers



Pay Via Select the network through which the transfer is to take place. This field is displayed only if the transfer is a domestic transfer in India region.

The options are:

NEFT

RTGS

IMPS



Transfer Date The date on which the transfer is to take place.


Note Select the purpose of the transfer.

If purpose of transfer is selected as ‘Other, an additional field is displayed in which the user can specify a purpose which is not defined in the list.

This field appears against a record where the transfer is being made towards either an Internal or Domestic payee.



The options are:



Shared: transfer charges are to be borne by both the payee and payer

This field appears against a record where the transfer is being made towards an international payee.



Note: This field appears only for International Payee.

Multiple Transfers




The options are:

Swift Code


Bank Details

This field appears if you select Yes option from Transfer via Intermediary Bank field.


SWIFT code /National Clearing code value.

SWIFT code Look up

Below fields appears if the SWIFT Code option is selected in Pay Via field.

Lookup Swift Code


SWIFT Code SWIFT code value.

Bank Name Bank name to search the SWIFT code.

Country Country name to search the SWIFT code.

City City name to search the SWIFT code.




SWIFT Code SWIFT code /National Clearing code value.


Below fields appears if the National clearing code option is selected in Pay Via field.



NCC Type NCC type of the bank branch.



Multiple Transfers







Address Address of the bank.




Bank address Complete address of the bank.



Payment Details Specify payment details.

This field appears against a record where the transfer is being made towards an international payee.

Add Payment Details


Note: This field is displayed only for International Payee.


The drop-down to select the note appears for International Payee.


To transfer funds to multiple payees:

1. From the Payee list, select the preferred payee, and subsequently select the specific account of the payee towards which the transfer is to be made. The details of the selected payee appear. OR


2. From the Transfer From account list, select the account from which the transfer is to be made.

3. If the transfer being initiated is towards an International account, select the appropriate currency from the Currency list.



Multiple Transfers


a. If you select the Now option, transfer will be done on same day. OR If you select the option Later, from the Transfer When field, select the appropriate future date for when the transfer is to take place.

6. If the transfer type is Domestic (India region), in the Pay Via field, select the appropriate network for payment.

7. If the transfer type is International,

a. Select the appropriate option from the Correspondence Charges list.

b. In the Transfer via Intermediary Bank field, select the appropriate option.

c. If you have selected Yes option in the Transfer via Intermediary Bank field, select the appropriate network for payment in the Pay Via field.

i. If you select Swift option:

i. In the SWIFT code field, enter the SWIFT code or search and select it from the lookup.


ii. If you select National Clearing code option:

i. In the National Clearing code field, enter the National Clearing code or search and select it from the lookup.


iii. If you select Bank details option:





d. In the Payment Details field, enter the details of the fund transfer. OR Click the Add Payment Details link to add more details of the transfer, if required.

e. From the Note list, select the remarks/ notes for the transaction.

f. In the Note field, enter the additional remarks/ notes for the transaction, if required.

8. Click Save to save the transfer record. OR Click Make a Copy & Save, if you want to save the current record and also copy the details onto the next record. OR Click Reset Fields to clear the details entered in the record.

9. Repeat Steps 1 to7 for subsequent transfer records. OR Click Add Another Payment if you want to add another transfer record without saving the current record.

10. Click against a saved record to edit the transfer details of that record. OR

Click against a record to delete that record.

Multiple Transfers


11. Click Submit to submit all the transfer records to the bank. OR Click Cancel to cancel the operation and to navigate back to ‘Dashboard’. OR Click Back to Dashboard link, to navigate to the dashboard.

12. The Multiple Transfer - Review screen appears. Verify the details, and click Confirm. OR Click Expand All to view the details of each transfer record. Click Collapse All to hide the payment details. OR Click Back to return to the Multiple Transfers initiate screen. The Multiple Transfer screen with saved payment details in editable form appears. OR Click Cancel to cancel the operation and navigate back to ‘Dashboard’.

Note: a) Service Charges and Total Debit Amount are displayed against Domestic (NEFT & RTGS) Transfer records on the Review screen. This is supported for host integration FCR only. b) If a standing instruction or a pay later transfer is due to any selected payee within the next X days (as configured), a warning message will appear against the specific payment record on the review page intimating the user about the same. This is applicable only if the transfer being initiated is an internal or domestic transfer.

13. The Verification screen appears if the transaction is configured for Two Factor Authentication. Enter the verification code and click Submit.

14. The success message appears. Click Go to Dashboard, to navigate to the dashboard. OR Click More Payment Options to access other payment options. OR Click Click Here to view the status of each transfer. The Multiple Transfer - Status screen appears on which the status of each individual transfer appears. In case any transfer has failed, the reason for failure is also displayed against the specific record.

Multiple Transfers


Multiple Transfers – Status

Field Description


Payee The payee towards whom fund transfer has been initiated. The payee nickname and the payee’s account number are displayed.

From Account The source account from which the funds are transferred.

Date & Amount The date of transfer along with the amount that is transferred towards the payee’s account.

Host Reference Number

The unique number generated on completion of the transaction in the Core Banking application.

Status The status of the transaction.

UETR The unique End-to-End Transaction Reference (UETR) number displayed for tracking the status of the transaction.

Failure Reason The reason for which a transfer failed is displayed against the specific transfer record.

15. Click the Back to Dashboard link to navigate to the Dashboard.

Multiple Transfers


FAQs

1. Is there any limit on the number of payments that can be initiated at a time through multiple bill transfers?

Yes, the limit as defined by the bank will be in place. You will be displayed an error message if you try to add another transfer record once this limit has been met.

2. Do fund transfers between business accounts need authorization?

Fund transfer between the business accounts require authorization, if transaction is configured for Two Factor Authentication.

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Adhoc Transfer


9. Adhoc Transfer

An adhoc transfer is one which is used to transfer funds from the user’s account to a beneficiary/ payee account which is not registered with the bank. Since the transfer is towards an unregistered beneficiary, customers are required to specify the beneficiary details manually along with the transfer details while initiating an adhoc transfer.

Pre-Requisites

Transaction and account access is provided to retail user.

Transaction working window is maintained.

Transaction limits are assigned to user to perform the transaction.

Workflow

Features Supported In Application

Following type of transactions are supported under Adhoc Transfers

Internal Transfer

Domestic Transfer


How to reach here:

Dashboard > Toggle menu > Payments > Payments and Transfers > Adhoc Transfer OR Dashboard > Quick Links > Adhoc Transfer

9.1 Adhoc Payment - Internal Fund Transfer

An Internal Bank Account transfer is a transfer to an account which is maintained within the Bank. Basic payee details i.e. the name of the payee and payee account number are captured. In addition to the payee details, the user is also required to specify transfer specific details while initiating an adhoc internal transfer. The user can also view the transaction limits associated with a current transaction.

Adhoc Transfer


Internal fund transfer

Field Description


Account Type Type of account associated with the payee.

The options available are:

Internal

Domestic

International

Account Number Account number of the payee.



Account Name Name of the payee as defined against the bank account.

Transfer From Source account from which the funds are to be transferred.

The account nickname, if the user has set a nickname for the account, it will be displayed.

Adhoc Transfer





View Limits Link to view the transaction limits of the user.


Transfer When Option to specify when the funds are to be transferred.

The options are:




This field appears if the option Later from the Transfer When list is selected.


To initiate an internal fund transfer:







7. In the Transfer when field, select the option to indicate when the transfer is to take place.

a. If you select the Now option, transfer will be made on the same day. OR If you select the option Later in the Transfer when field, select the appropriate future date when the transfer is to take place.

8. In the Note field, enter the remarks for the transaction, if required..

9. Click Pay to initiate the transfer. OR Click Cancel to cancel the transaction.

10. The Review screen appears. Verify the details, and click Confirm. OR Click Cancel to cancel the transaction. OR

Click Back to return to the previous screen. The user is directed to the Adhoc Internal Transfer screen with values in editable form.

Adhoc Transfer


Note: If a standing instruction or a pay later transfer is due to the payee within the next X days (as configured), a warning message will appear on the review page intimating the user about the same.

11. The success message appears, along with the reference number and payment details. Click Add as Payee? to register the beneficiary as a payee. OR Click More Payment Options to access the other payments options. OR Click Go To Dashboard to go to the Dashboard screen.

Note: While registering the beneficiary as a payee, the user can upload the payee's photo by selecting the Upload Photo option. Once a photo is uploaded against the payee, the options Change and Remove appear against the photo.


9.2 Adhoc Payment - Domestic Fund Transfer

A domestic transfer is one which involves the transfer of funds to an account held with another bank within the same country. In addition to the payee name and payee account number, the customer is also required to specify details of the bank in which the payee’s account is held along with the mode/ network of transfer. The customer must also specify transfer specific details including when the transfer is to take place and the purpose of the transfer.

9.2.1 Domestic Fund Transfer - India

The following steps are applicable while initiating an adhoc domestic funds transfer if the geographical region configured is India.

Adhoc Transfer


Field Description




Internal

Domestic

International




Account Name Name of the payee as defined against bank account.

Adhoc Transfer



Payee Account Type

Select the type of account associated with the payee.

The options are:

Savings

Current

Overdraft

Cash Credit

Loan Account

NRE

IFSC /Bank Code IFSC /Bank Code of destination bank.

Bank Details Bank details based on the IFSC code of the bank.

It includes:

Bank Name

Bank Address

City and State to which the bank belongs.

Pay Via Select the network through which the transfer is to take place.

NEFT

IMPS

RTGS




Balance Net balance in the selected source account.

Currency This field will be defaulted with the local currency.




Adhoc Transfer



Transfer When The facility to specify when the funds are to be transferred

The options are:




This field appears if option Later from the Transfer When list is

selected.


To initiate domestic fund transfer:





5. From the Payee Account Type list, select the type of account associated with the payee.

6. In the IFSC Code field, enter the IFSC /Bank Code or select it from the lookup.

7. Click Verify to fetch bank details based on Bank Code (BIC).

8. In the Pay Via field, select a network, out of the enabled networks, for payment.

9. From the Transfer From account list, select the account from which the transfer needs to be made.




12. In the Note field, enter the remarks for the transaction, if required..


14. The Review screen appears. Verify the details, and click Confirm. OR Click Cancel to cancel the transaction.

OR

Click Back to return to the previous screen. The user is directed to the Adhoc Domestic Payment screen with values in editable form.

Adhoc Transfer


Note: 1) Service Charges and Total Debit Amount are displayed on Domestic (NEFT & RTGS) Transfers Review & Confirm screens. This is supported for host integration FCR only. 2) If a standing instruction or a pay later transfer is due to the payee within the next X days (as configured), a warning message will appear on the review page intimating the user about the same.

15. The success message appears, along with the reference number. Click Add as Payee? to register the beneficiary as a payee. OR Click More Payment Options to access the other payments options. OR Click Go To Dashboard to go to the Dashboard screen.



Adhoc Transfer


9.2.2 Domestic Fund Transfer - UK

The following steps are applicable while initiating an adhoc domestic funds transfer if the geographical region configured is UK.

Domestic Fund Transfer - UK (Non Urgent)

Adhoc Transfer


Domestic Fund Transfer - UK (Urgent)

Adhoc Transfer


Domestic Fund Transfer - UK (Faster)

Field Description




Internal

Domestic

International

Adhoc Transfer



Payment Type Select the type of UK payment

The options are:

Urgent (Requires SWIFT code)

Non-Urgent (Requires Sort code)

Faster (Requires Sort code)





UK Payment - Non-Urgent and Faster payment

The following fields are applicable if either of the two options, Non-Urgent or Faster are selected as Payment Type.

Sort Code Specify the Sort code associated with the payee’s account.

Sort Code Lookup

The following fields are displayed on a pop up window if the Lookup Sort Code link is selected.


City The facility to lookup bank details based on name of the city in which the payee’s account is held.

Sort Code Lookup - Search Result



Bank branch Bank branch name.


Sort Code The Sort Code value. This value will be displayed as a link which will be selectable. On selecting the link, the Sort code and bank details are populated on the Add Payee – Domestic Account screen.

Bank Details The details of the bank that include the Sort Code as well as the name and the address of the bank and branch in which the payee’s account is held.

Adhoc Transfer



UK Payment - Urgent

The following fields are applicable if the option Urgent is selected as Payment Type.

SWIFT Code Specify the SWIFT code associated with the payee’s account.

SWIFT Code Lookup

The following fields are displayed on a pop up window if the Lookup SWIFT Code link is selected.

SWIFT Code The facility to lookup bank details based on the SWIFT Code.


Country The facility to lookup bank details by combining search through SWIFT Code and Bank Name along with the country in which the payee’s account is held.

City The facility to lookup bank details by combining search through SWIFT Code and Bank Name along the city in which the payee’s account is held.





SWIFT Code The SWIFT code value. This value will be displayed as a link which will be selectable. On selecting the link, the SWIFT code and bank details are populated on the Add Payee – Domestic Account screen.








The options are:



Adhoc Transfer




This field appears if option Later from the Transfer When list is selected.



The options are:

Payee: transfer charges are to be borne by the beneficiary customer


Shared: transfer charges are to be borne by both the payee and the payer





a. If you select either the Non-Urgent or Faster payment option:




iv. In the Sort Code field, enter the Sort Code or select it from the lookup. OR Click Reset to clear the populated data and enter/ select a new Sort Code.

v. Click Verify to fetch bank details based on the Sort Code.

b. If you select Urgent payment option:




iv. In the Swift Code field, enter the Swift Code or select it from the lookup. OR Click Reset to clear the populated data and enter/ select a new Swift Code.

v. Click Verify to fetch bank details based on the SWIFT Code.




a. If you select the Now option, transfer will be made on the same day. OR

Adhoc Transfer


If you select the option Later in the Transfer when field, select the appropriate future date when the transfer is to take place.

6. From the Correspondence Charges list, select the party by whom the transfer charges are to be borne.

7. In the Note field, enter the remarks for the transaction, if required.





10. The success message appears, along with the reference number. Click Add as Payee? to register the beneficiary as a payee. OR Click More Payment Options to access the other payments options. OR Click Go To Dashboard to go to the Dashboard screen.



Adhoc Transfer


9.2.3 Domestic Fund Transfer - SEPA

The following steps are applicable while initiating an adhoc domestic funds transfer if the geographical region configured is any of the member states that comprises the European Union.

Domestic Fund Transfer - SEPA (Card)

Adhoc Transfer


Domestic Fund Transfer - SEPA (Credit)

Field Description




Internal

Domestic

International

Payment Type Type of account associated with the payee.

The options are:

Card Payment

Credit Transfer

Account Number (IBAN)

Specify the international bank account number of the Payee.

Adhoc Transfer






Bank Code (BIC) Enter the international bank code of the bank in which the payee’s account is held.


The following fields are displayed on a pop up window if the Look up Bank (BIC) Code link is selected.


The facility to lookup bank details based on the BIC Code.



Bank (BIC) Code Lookup - Search Result




(BIC) Code The (BIC) Code value. This value will be displayed as a link which will be selectable. On selecting the link, the BIC code and bank details are populated on the Add Payee – Domestic Account screen.







Adhoc Transfer




The options are:




This field appears if option Later from the Transfer When list is selected.

Originators Identification Number

Enter your unique OIN number. The Originator's Identification Number is the unique number given to participants who are authorized to use the Direct Debit Scheme.

OIN Description Enter a description to identify the nature of the transfer.





a. If you select either the Card or Credit payment option:




iv. In the Bank Code (BIC) field, enter the international Bank code of the debtor bank. OR Click Reset to clear the populated data and enter/ select a new Sort Code.

v. Click Verify to fetch bank details based on the BIC Code.





6. In the Originators Identification Number field, enter OIN number.

7. In the OIN Description field, enter OIN description.


Adhoc Transfer




OR



11. The success message appears, along with the reference number. Click Add as Payee? to register the beneficiary as a payee. OR Click More Payment Options to access the other payments options. OR Click Go to Dashboard to go to the Dashboard screen.



9.3 Adhoc Payment - International Fund Transfer

An international fund transfer involves the transfer of funds to an account that is maintained outside the country and beyond geographical boundaries. While initiating an adhoc international fund transfer, the customer is required to specify payee details which include the payee account number, clearing code of the bank in which the payee’s account is held along with the network through which the transfer is to be processed. Details specific to the transfer type must also be defined which include identifying the party who is to bear correspondence charges and defining payment details.

Adhoc Transfer


International fund transfer

Adhoc Transfer


Field Description




Internal

Domestic

International




Account Name Name of the payee as defined against bank account.

Address Line 1- 2

Address of the payee.

City City of the payee.

Country Country of the payee.

Pay Via The network/ mode through which the transfer is to take place.

The options are:

SWIFT Code


Bank Details

SWIFT Code The SWIFT code will need to be identified if SWIFT Code has been selected in the Pay Via field.

Lookup Swift Code


SWIFT Code Look up

The following fields appear on a pop up window if the Lookup SWIFT Code link is selected.

SWIFT Code The facility to lookup bank details based on SWIFT code.



City The facility to search for the SWIFT code based on the city.


Adhoc Transfer






NCC The national clearing code will need to be identified if NCC has been selected in the Pay Via field.




The following fields appear on a pop up window if the Lookup National Clearing Code link is selected.










Bank Details Details of the bank based on the national clearing code identified. These include the name of the bank and branch as well as the physical address of the bank.

The following fields appear if the option, Bank Details is selected in Pay Via field.

Bank Name Name of the bank in which the payee account is held.

Bank address Complete address of the bank at which the payee account is held.

Adhoc Transfer











Transfer When The facility to specify when the transfer is to take place.

The options are:







The options are:



Shared: transfer charges are to be borne by both the payee and the payer




The options are:

Swift Code


Bank Details

SWIFT Code The SWIFT code will need to be identified if SWIFT Code has been selected in the Pay Via field.

Adhoc Transfer



Lookup Swift Code


SWIFT Code Look up

The following fields appear on a pop up window if the Lookup SWIFT Code link is clicked.

Swift Code The facility to lookup bank details based on SWIFT code.



City The facility to search for the SWIFT code based on city.

Swift Lookup - Search Result




NCC The national clearing code will need to be identified if NCC has been selected in the Pay Via field.

Lookup National Clearing Code


National Clearing Code Look up

The following fields appear on a pop up window if the Lookup National Clearing Code link is clicked.







Adhoc Transfer



Bank Details Details of the bank based on the national clearing code identified. These include the name of the bank and branch as well as the physical address of the bank.

The following fields appear if the option Bank Details is selected in Pay Via field.

Bank Name Enter the name of the bank in which the payee account is held.

Bank address Enter the complete address of the bank at which the payee account is held.

Country Select the country in which the payee’s account is held.

City Enter the name of the city in which the payee’s account is held.

Payment Details Details about the fund transfer.

Add Payment Details




To initiate an international fund transfer:

1. In the Account Type field, select the International option as type of account associated with the payee.




5. In the Address Line 1 and 2 enter the address of the payee.

6. In the City field, enter the city of the payee.

7. From the Country list, select the country of the payee.

8. In the Pay Via field, select the appropriate network for payment.


i. In the SWIFT code field, enter the SWIFT code or search the SWIFT code through the lookup option provided.

ii. Click Verify to fetch bank details based on SWIFT Code.

b. If you select National Clearing code option:

i. In the National Clearing code field, enter the National Clearing code or search the National Clearing Code through the lookup option provided.

ii. Click Verify to fetch bank details based on National Clearing Code.


Adhoc Transfer







10. In the Amount field, enter the transfer amount and currency in which the transfer is to take place.

11. In the Transfer when field, select the option to indicate when the transfer is to take place.


12. From the Correspondence Charges list, select the party by whom the transfer charges are to be borne.

13. In the Transfer via Intermediary Bank field, select the appropriate option.

14. If you have selected Yes option in the Transfer via Intermediary Bank field, select the appropriate network for payment in the Pay Via field.


i. In the SWIFT code field, enter the SWIFT code or select it from the lookup.


b. If you select National Clearing code option:

i. In the National Clearing code field, enter the National Clearing code or select it from the lookup.







15. In the Payment Details field, enter the details about the fund transfer. OR Click the Add Payment Details link to add more details of the transfer, if required.

16. From the Note list, select the remarks/ notes for transaction.




Adhoc Transfer


Click Back to return to the previous screen. The user is directed to the Adhoc International Payment screen with values in editable form.

20. The success message appears, along with the reference number, host reference number, UTER number, transfer details and intermediary details. Click Add as Payee? to register the beneficiary as a payee. OR Click More Payment Options to access the other payments options. OR Click Go to Dashboard to go to the Dashboard screen.

Success Message

21. Click the Add as Payee option to register the beneficiary as a payee. A pop up window appears on which you can identify whether the beneficiary details are to be mapped to an existing payee or whether the beneficiary is to be registered as a new payee.

Adhoc Transfer


Add Payee - Addition of New Payee

22. Select the desired option under the field Add to an Existing Payee or create a New Payee?

23. If you select New Payee option, the Add Payee screen appears in which you can register the beneficiary as a new payee.

24. If you select the Existing Payee option, you will be required to select the payee to whom the beneficiary details are to be mapped.



25. Click Ok, the Add Payee screen appears with all the beneficiary details pre-populated in the required fields.

Note: For more information on payee creation, refer Add Payee - Bank Account section in this user manual.

Adhoc Transfer


FAQs

1. Can I use the adhoc transfer transaction to transfer funds towards the repayment of a loan which I hold in the same bank?

No, fund transfers can be made only to current or savings account through the adhoc transfer transaction.

2. Can I set a future date for a fund transfer?

You can set a future date for a payment using the Pay Later option.

3. What happens if I have set up a future dated transfer, but don't have enough funds in my account on the transaction date for the transfer?


4. What happens if the transaction amount is less than set Transaction Limit?

If the transaction amount is less than the minimum limit or more than the maximum transaction limit set by the Bank, the user will not be able to initiate the transfer.

5. Can I make a payment towards an account which is currently not registered as my payee?

Yes, you can make payments to the accounts which are not registered as payees through the adhoc transfer transaction.

6. Are separate transaction limits applicable for when I initiate a transfer using Adhoc Transfer and using Transfer Money by selecting a payee?

Transaction limits are defined based on each payment network. The same limits get utilized if the transaction is initiated from Adhoc Transfer or by using Transfer Money (provided the payment network is the same).

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Adhoc Demand Draft


10. Adhoc Demand Draft

Users can initiate requests for demand drafts to be payable towards beneficiaries that are not registered as payees in the system, via the adhoc demand draft feature. Since the demand draft request is for an unregistered beneficiary, the user is required to specify details of the beneficiary along with demand draft details at the time of adhoc demand draft request.

Once the request for the demand draft is initiated, the user can register the beneficiary as a payee by selecting the Add as Payee option provided on the confirm screen.

Pre-Requisites

Transaction and account access is provided to retail user.

Transaction working window is maintained.

Transaction limits are assigned to user to perform the transaction.

How to reach here:

Dashboard > Payments Widget > Adhoc Demand Draft OR Dashboard > Toggle Menu > Payments > Payments and Transfers > Adhoc Demand Draft

10.1 Adhoc Demand Draft - Domestic

A Domestic Draft initiation request is a request to issue a draft which is payable at a location within the same country.

To initiate an adhoc domestic demand draft request:

1. From the Draft Type field, select the option Domestic.

The fields in which the user can enter details required to initiate a request for a domestic demand draft appear.

Adhoc Demand Draft


Adhoc Domestic Demand Draft

Field Description


Draft Favoring The name of the payee as it is to be printed on the demand draft.


Specify the name of the city in which the draft is payable.

Adhoc Demand Draft



Delivery Location

Select the option to identify where you would like the draft to be delivered.

The options are:










The options are:

Work

Residence

Postal







Adhoc Demand Draft



Currency The currency in which the draft is to be issued.

In case of domestic demand drafts, the currency will be defaulted to the local currency of the country.

Amount Specify the amount for which the draft is to be issued.



Scheduled On The facility to specify the date on which the demand draft is to be issued.

The options are:

Now: Select this option if you wish to have the draft drawn on the same day.

Later: Select this option if you wish to have the draft drawn at a future date. If you select this option you will be required to specify the date on which the draft is to be drawn.

Transfer Date Specify the date on which the draft is to be drawn.

This field appears if the option Later from the Scheduled On list is selected.

Transfer From Select the source account from which the funds are to be debited towards the issue of the demand draft.

Balance The net balance in the selected source account is displayed against the Transfer From field once an account is selected.

Note Specify a note or remarks for the transaction, if required.

2. In the Draft Favouring field, enter the name of the payee as it is to be printed on the draft.

3. In the Draft payable at City field, select the name of the city at which the draft is to be payable.


a. If you select the Branch Near Me option;



b. If you select the My Address option;

i. From the Select Address list, select the option of choice. The complete address of the user as maintained corresponding to the selected address appears.

c. If you select the option Other Address; specify the address at which the demand draft is to be delivered.

Adhoc Demand Draft


i. In the Address Line 1 and Address Line 2 fields, enter the address at which the draft is to be delivered.

ii. In the City field, enter the name of the city at which the draft is to be delivered.

iii. In the State field, enter the name of the State in which the draft is to be delivered.

iv. In the Zip Code field, enter the zip code of the address at which the draft is to be delivered.

5. From the Currency field, select the preferred currency.

6. In the Amount field, enter the amount for which the draft needs to be issued.

7. In the Scheduled On field, select the option to indicate whether the draft is to be issued for the same day or a date in the future.

a. If you select the Now option, the draft will be issued on the same day. OR If you select the option Later in the Scheduled On field, specify the date at which the draft is to be issued.

8. From the Transfer From account list, select the account which is to be debited for the demand draft issuance.

9. In the Note field, specify a note or remarks, if required.

10. Click Issue to initiate the request for the issue of the demand draft. OR Click Cancel to cancel the transaction.

11. The Review screen appears. Verify the details, and click Confirm. OR Click Cancel to cancel the operation and to navigate back to the Dashboard.

OR

Click Back to return to the previous screen.


10.2 Adhoc Demand Draft - International

An international demand draft request is a request to issue a draft which is payable at a location outside the country. To initiate an adhoc international demand draft request, the user is required to specify details of the beneficiary towards whom the draft is payable as well as draft details such as amount and delivery specifications.

To initiate an adhoc international demand draft request:

1. From the Draft Type field, select the option International.

The fields in which the user can enter details required to initiate a request for an international demand draft appear.

Adhoc Demand Draft


Adhoc International Demand Draft

Field Description


Draft Favoring The name of the payee as it is to be printed on the demand draft.

Draft Payable at Country

Select the country in which the draft is to be payable.


Enter the name of the city in which the draft is payable.

Adhoc Demand Draft



Delivery Location


The options are:










The options are:

Work

Residence

Postal



Country Select the country in which the draft is to be delivered.





Adhoc Demand Draft



Currency Select the currency in which the draft is to be issued.





The options are:



Transfer Date Specify the date on which the draft is to be drawn.

This field appears if the option Later from the Scheduled On list is selected.




2. In the Draft Favouring field, enter the name of the payee as it is to be printed on the draft.

3. In the Draft payable at Country field, select the country at which the draft is to be payable.

4. In the Draft payable at City field, enter the name of the city at which the draft is to be payable.


a. If you select the Branch Near Me option;



b. If you select the My Address option;

i. From the Select Address list, select the option of choice. The complete address of the user as maintained corresponding to the selected address appears.

c. If you select the Other Address option; specify the address at which the demand draft is to be delivered.

i. From the Country field, select the country in which the draft is to be delivered.

Adhoc Demand Draft


ii. In the Address Line 1 and Address Line 2 fields, enter the address at which the draft is to be delivered.

iii. In the City field, enter the name of the city at which the draft is to be delivered.

iv. In the State field, enter the name of the State in which the draft is to be delivered.

v. In the Zip Code field, enter the zip code of the address at which the draft is to be delivered.

6. From the Currency field, select the currency in which the draft is to be issued.



a. If you select the Now option, the draft will be issued on the same day. OR If you select the option later in the Scheduled On field, specify the date at which the draft is to be issued.


10. In the Note field, specify a note or remarks, if required.


12. The Review screen appears. Verify the details, and click Confirm. OR Click Cancel to cancel the operation and to navigate back to the Dashboard.

OR Click Back to return to the previous screen.


Adhoc Demand Draft


Success Message

14. Click the Add as Payee option to register the beneficiary as a payee. A pop up window appears on which you can identify whether the beneficiary details are to be mapped to an existing payee or whether the beneficiary is to be registered as a new payee.

Add Payee - Addition of New Payee

15. Select the desired option under the field Add to an Existing Payee or Create a New Payee?

16. If you select the New Payee option, the Add Payee screen appears in which you can register the beneficiary as a new payee.

17. If you select the Existing Payee option, you will be required to select the payee to whom the beneficiary details are to be mapped.

Adhoc Demand Draft


18. Click Ok, the Add Payee screen appears with all the beneficiary details pre-populated in the required fields.

Note: For more information on payee creation, refer the Add Payee – Bank Account section in this user manual.

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Issue Demand Draft


11. Issue Demand Draft

The Issue Demand Draft transaction enables users to request the bank to issue demand drafts towards payees. In order to initiate a demand draft issue request, the user has to first ensure that the payee i.e. the recipient of the demand draft is registered as a demand draft payee through the Manage Payees feature. Once the payee is registered, the user can initiate a request to the bank to issue a demand draft by specifying details such as the amount for which the draft is to be drawn, the account from which the funds are to be debited as well as the date on which the draft is to be drawn.

Prerequisites:



Required payees are maintained


Features supported in application

The user can request for two types of demand drafts:

Domestic Demand Draft – Where the draft is payable within the country

International Demand Draft – Where the draft is payable outside the country

Workflow

How to reach here:

Dashboard > Toggle Menu > Payments > Payments and Transfers > Issue Demand Drafts OR Dashboard > Payments Menu > Issue Demand Drafts

11.1 Demand Draft

A user can initiate a request for a Demand Draft using this transaction. All Demand Draft payees (Domestic and International Demand Draft payees) created by the user are listed for selection. Details of the payee are auto populated on the transaction screen once a selection has been made. The user is then required to fill in details such as the source account to be debited, the amount for which the draft is to be drawn and the date on which the draft is payable, in order to initiate the demand draft request.

Issue Demand Draft


Demand Draft

Field Description


Favouring Select the payee to whom the demand draft is to be issued.

All the demand draft payees maintained will be listed for selection.

Draft Details The delivery details of the draft that include the mode of delivery and address at which the draft will be delivered are displayed once the payee is selected. On selecting a payee, the selected payee's photo will also be displayed.

Currency Select the currency in which the draft is to be issued.

In case the draft being issued is a domestic demand draft, the currency will be the local currency of the country.


View Limits Link to view the transaction limits.


Issue Demand Draft




The options are:



Transfer On Date

Specify the date on which the draft is to be issued.

This field appears if the option Later is selected from the Scheduled On list.




To issue a demand draft:

1. From the Favouring list, select the payee to whom the demand draft is to be issued. The details of the selected payee along with the payee's photo appear. OR


2. From the Currency list, select the preferred currency.



a. If you select the Now option, the draft will be issued on the same day. OR If you select the option Later, select the date for when the draft is to be drawn.

5. From the Transfer from list, select the account from which funds need to be drawn.


7. The Demand Draft - Review screen appears. Verify the details, and click Confirm. OR Click Cancel to cancel the operation and to navigate back to the Dashboard.

OR

Click Back to return to the Demand Draft screen.

8. The Verification screen appears if the transaction is configured for 2 factor authentication.

Issue Demand Draft


9. The success message appears, along with the host reference number and draft details. Click Go to Dashboard, to navigate to the Dashboard. OR Click More Payment Options to access other payment options.

FAQs

1. Can I initiate a future dated demand draft issuance request?

You can initiate a future dated demand draft issuance request using the Schedule Later option

2. What happens if I have set up a future dated draft issuance request, but don't have enough funds in my account on the transaction date for the transfer?


3. What happens if the transaction amount is less than the set Transaction Limit?

You will not be able to proceed with the initiation of the demand draft issuance if the amount you have specified is less than that of the set minimum transaction limit.

4. How will I receive a physical copy of a demand draft?

The bank will operationally issue a draft and mail it to the address that you have selected as the delivery address in the payee maintenance screen.

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Repeat Transfers


12. Repeat Transfers

Repeat Transfers, also referred to as Standing Instructions or Standing Orders, are instructions given by a payer (bank account holder) to the bank to transfer a specific amount to another account at regular intervals.

Once initiated, these transfers are executed repeatedly till the end date.

The application has simplified the user’s task of initiating repetitive payments by introducing the Repeat Transfers feature. Through this feature, users can set instructions for funds to be transferred at regular intervals towards registered payees or to the user’s own accounts. Once initiated, the details of these transfers can be viewed in the View Repeat Transfers screen. The user can also cancel a repeat transfer instruction, if so desired, from the View Repeat Transfers screen.

Pre-Requisites



Payees are maintained


Transaction limits are assigned to the user


Set Repeat Transfer

View Repeat Transfer

Stop Repeat Transfer

Workflow

How to reach here:

Dashboard > Payments Widget > View Repeat Transfers > Repeat Transfer OR

Dashboard > Upcoming Payments Widget > Setup Repeat Transfer > Repeat Transfer OR

Dashboard > Toggle Menu > Payments > Setups > Repeat Transfer OR Dashboard > Payments Menu > Upcoming Payments > Set Repeat Transfer

Repeat Transfers


12.1 View Repeat Transfers

The View Repeat Transfers feature enables users to view all the repeat transfers that have been previously initiated. The user can select any repeat transfer transaction in order to view extensive details of that particular transaction. The details include basic transfer details such as source account, beneficiary account, amount of transfer, etc.; execution details encompassing the frequency of transfers and the start and end dates as well as the payment history which lists down the status of each executed transfer instruction. The reason of failure is also defined against instructions that have failed execution.

Repeat Transfers

Field Description


Transfer To Displays the payee's photo against each payee with name, and account number for identification.

Note: In case of own account transfer, payee's photo will not be

displayed.

Transfer From The source account number in masked format from which funds are transferred towards the payee account.

Transfer Type Type of transfer e.g. Domestic, Own, Internal.

Next Payment The date on which the next payment is scheduled.

Amount Amount of the set Repeat Transfer.

Repeat Transfers


To view Repeat Transfers:

1. Click against a specific repeat transfer record. The following options appear: View/ Stop.

2. Select the option View to view the details of the particular repeat transfer. The View Repeat Transfer details screen appears. OR Click Stop to cancel the repeat transfer. OR Click Back to Dashboard, to navigate to the dashboard.

Repeat Transfers - View Repeat Transfer

Field Description


Transfer Type and Transaction Reference Number

The transfer type involved i.e. internal, domestic, etc as well as the transaction reference number are displayed.

Transfer To Displays the Payee's photo, name and account number.

Transfer From The source account number along with the account nickname, if maintained, is displayed.



Purpose Purpose of transfer.

Repeat Transfers



Note A note, if added, by the user at the time of transfer initiation is displayed.

Execution Details

Start Date The start date of the repeat transfer execution i.e. the date on which the repeat transfer first starts being executed.

End Date The last date on which repeat transfer instructions are executed.

Frequency The frequency in which the repeat transfer is executed.

Payments History

Execution Date The date on which the repeat transfer was executed.

Status The status of the repeat transfer.

The status can be:

Active

Failed

Reason for Failure

The reason why the specific transfer instruction failed is displayed against those transfer records that have failed to be executed.

3. Click Stop if you want to stop the repeat transfer. OR Click Cancel to close the View Repeat Transfer screen.

12.2 Stop Repeat Transfers

The option to stop a repeat transfer instruction is provided on the View Repeat Transfers summary screen as well as View Repeat Transfer details page only against those transactions that have instructions pending to be executed.

Repeat Transfers


Repeat Transfers - Stop Repeat Transfer

Field Description


Transfer To Displays the Payee's photo, name and account number along with the account nickname of the payee.

Transfer From The account from which the amounts are transferred towards the beneficiary or destination account.


Frequency The frequency in which the amounts are transferred from the source account to the destination account.


To stop a Repeat Transfer:

1. Click against the specific repeat transfer record. The following options appear: View/ Stop.

2. Select the option Stop to cancel the repeat transfer. The Stop Repeat Transfer details screen appears. OR Click View to view the details of the repeat transfer. OR Click Back to Dashboard, to navigate to the dashboard.

Repeat Transfers


Stop Repeat Transfers

3. Click Stop to stop the repeat transfers maintained for the account. OR Click Back to navigate back to previous screen.

4. The Stop Repeat Transfer - Review screen appears. Verify the details, and click Stop to confirm cancelling the Repeat Transfer. OR Click Cancel to cancel the operation and navigate back to ‘Dashboard’. OR Click Back to navigate back to previous screen.

5. A message confirming that the repeat transfer has been stopped/ cancelled appears. Click Go to Dashboard, to navigate to the dashboard. OR Click More Payment Options to access other payment options.

Repeat Transfers


12.3 Set Repeat Transfers

Through the Set Repeat Transfers feature, a user can initiate an instruction for repeat transfers to be executed towards a payee or account for a specific amount at a certain frequency.

Set Repeat Transfer – Existing Payee

The following screen displays the fields that are populated when the Existing Payee option is selected in the Transfer Type field

Repeat Transfers


Field Description


Transfer Type This option enables the user to identify whether the transfers are to be made towards registered payees or towards the user’s own accounts.

The options are:

Existing Payee

My Accounts (User's own account)

Payee Select the payee towards whom the transfers are to be made. On selecting a payee, the selected payee's photo, if uploaded, will appear against the payee name along with the other details of the payee.

Account Number

On selecting the payee, the account number associated with the payee appears.

Account Type Type of account or transfer type associated with the payee appears, once a payee is selected.






Currency is defaulted to destination account currency for Internal Transfers and local currency for Domestic Transfers.

Amount Specify the amount to be transferred per frequency.



Repeat Transfers




The options are:

NEFT

RTGS

IMPS



Transfer Frequency

The frequency in which the repeat transfers are be executed.

The options are:

Daily

Weekly

Fortnightly

Bi-monthly

Monthly

Quarterly

Semi-Annually

Annually

Start Transferring

The date on which the first repeat transfer is to be executed.

Stop Transferring

Select the option by which to specify when the repeat transfers are to stop being executed.

The following two options are available:

On: Select this option if you wish to specify a date on which the last transfer is to be executed.

After: Select this option if you wish to specify the number of repeat transfers that are to be executed as part of the instruction.

Date Specify the date on which the last transfer is to be executed.

This fields appears if the option On is selected in the Stop Transferring field.

Repeat Transfers



Instances Number of instances.

This field appears if the option After is selected in the Stop Transferring field.

Purpose Select the purpose for which the repeat transfer instruction is being initiated.


Also Transfer Today

Select this option to also initiate a one-time transfer towards the payee for the same amount as each individual instruction.

To setup Repeat Transfer instructions towards an Existing Payee:

1. In the Transfer Type field, select the Existing Payee option.

2. From the Payee list, select the payee to whom fund needs to be transferred, and subsequently then select the specific account of the payee towards which the transfers are to be made.

3. From the Transfer From list, select the account from which the transfers are to be made.

4. From the currency list, select the preferred currency.

5. In the Amount field, enter the amount to be transferred at regular intervals.

6. If the transfer type is Domestic (India region), in the Pay Via field, select the appropriate network, out of those that are enabled, for payment.

7. From the Transfer Frequency list, select the frequency in which the repeat transfers are to be executed.

8. From the Start Transferring field, select the date on which the Repeat transfers are to start being executed.

9. In the Stop Transferring field, select the option by which to specify when the repeat transfers are to stop being executed.

a. If you have selected the option On, specify the date on which the repeat transfers are to stop being executed.

b. If you have selected the option After, specify the number of instances after which the repeat transfers are to stop i.e. if you specify the number 10, only 10 transfers will be initiated at the specified frequency.

10. From the Purpose list, select the appropriate purpose for which the repeat transfer instruction is being initiated.

11. In the Note field, specify a narrative for the transaction.

12. Select the Also Transfer Today checkbox to initiate a one-time transfer towards the payee for the specified amount. The Set Repeat Transfer popup window appears.

a. Click Proceed to initiate one-time transfer along with the repeat transfers. OR Click Cancel, if you do not wish to initiate the one-time transfer.

Repeat Transfers


Set Repeat Transfer – One Time Transfer

13. Click Setup. OR Click Cancel to cancel the operation and navigate back to ‘Dashboard’. OR Click Back to Dashboard link, to navigate to the dashboard.

14. The Review screen appears. Verify the details, and click Confirm. OR Click Cancel to cancel the transaction. OR Click Back to navigate to the previous screen.

Note: If a standing instruction or a pay later transfer is due to the payee within the next X days (as configured), a warning message will appear on the review page intimating the user about the same. This is applicable only if the repeat transfer being raised involves transfers to an internal or domestic payee.

15. A message confirming that the transaction has been initiated appears along with the transaction reference number. Click Go to Dashboard link, to navigate to the dashboard. OR Click More Payment Options to access other payment options.

Repeat Transfers


Set Repeat Transfer – My Accounts

The following screen displays the fields that are populated when the My Accounts option is selected in the Transfer Type field.

Field Description


Transfer Type This option enables the user to identify whether the transfers are to be made towards registered payees or towards the user’s own accounts.

The options are:

Existing Payee

My Accounts (User's own account)

Account Number Select the account towards which repeat transfers are to be made. All the accounts of the user are displayed.

Balance On selecting an account number, the net balance of the account appears below the Account Number field.



Repeat Transfers



Currency The currency in which the transfer is to take place. The currency is defaulted as the beneficiary account currency.




Transfer Frequency

The frequency in which the repeat transfers are to be executed

The options are:

Daily

Weekly

Fortnightly

Bi-monthly

Monthly

Quarterly

Semi-annually

Annually

Start Transferring

The date on which the first repeat transfer is to be executed.

Stop Transferring

Select the option by which to specify when the repeat transfers are to stop being executed.

The following two options are available:

On: Select this option if you wish to specify a date on which the last transfer is to be executed

After: Select this option if you wish to specify the number of repeat transfers that are to be executed as part of the instruction

Date Specify the date on which the last transfer is to be executed.

This fields appears if the option On is selected against the Stop Transferring field.

Instances Number of instances.

This field appears if the option After is selected against the Stop Transferring field.


Also Transfer Today

Select this option to also initiate a one-time transfer towards the payee payee for the same amount as each individual instruction.

Repeat Transfers


To setup Repeat Transfer instructions towards My Accounts (Own Account):

1. In the Transfer Type field, select the My Accounts option.

2. From the Account Number list, select the account to which the fund transfers need to be made.

3. From the Transfer From list, select the account from which the transfers are to be made.

4. In the Amount field, enter the amount to be transferred at regular intervals.

5. From the Transfer Frequency list, select the frequency in which the repeat transfers are to be executed.

6. From the Start Transferring field, select the date on which the Repeat transfers are to start being executed.

7. In the Stop Transferring field, select the option by which to specify when the repeat transfers are to stop being executed.

a. If you have selected the option On, specify the date on which the repeat transfers are to stop being executed.

b. If you have selected the option After, specify the number of instances after which the repeat transfers are to stop i.e. if you specify the number 10, only 10 transfers will be initiated at the specified frequency.

8. Specify a narrative for the transaction in the Note field.

9. Select the Also Transfer Today checkbox to initiate a one-time transfer towards the payee for the specified amount. The Set Repeat Transfer popup window appears.

a. Click Proceed to initiate the one-time transfer along with the repeat transfers. OR Click Cancel, if you do not wish to initiate the one-time transfer.

Set Repeat Transfer – One Time Transfer

10. Click Setup. OR Click Cancel to cancel the operation and navigate back to ‘Dashboard’. OR Click Back to Dashboard link, to navigate to the dashboard.

Repeat Transfers


11. The Review screen appears. Verify the details, and click Confirm. OR Click Cancel to cancel the transaction. OR Click Back to navigate back to previous screen.

Note: If a standing instruction or a pay later transfer is due to any selected payee within the next X days (as configured), a warning message will appear against the specific payment record on the review page intimating the user about the same.

12. A message confirming that the transaction has been initiated appears along with the transaction reference number. Click Go to Dashboard link, to navigate to the dashboard. OR Click More Payment Options to access other payment options.

FAQs

1. Can I cancel a Repeat Transfer instruction?

Yes, you can cancel Repeat Transfer transactions provided that the instruction has some instructions that have not yet been executed. You cannot reverse transfers that have already been initiated. Once an instruction has been cancelled, it will no longer be visible on the View Repeat Transfer screen.

2. What happens if I have set up a transfer for a future date, but on that date I don't have enough funds in my account to cover the transfer?

In this case, the transfer will not be made. Transfers are executed only if there are funds available in your account.

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Request Money


13. Request Money

The Request Money feature targets users who have receivables due from various individuals which are also periodic in nature. As the name suggests the user needs to initiate a request to pull money from the debtor (the person from whom the money is due to be received) by providing details of the debtor through debtor maintenance.

Pre-Requisites



Debtors are maintained


Request money allows the user to

Initiate SEPA Request Money

Workflow

How to reach here:

Dashboard > Payments Widget > Request Money OR Dashboard > Toggle Menu > Payments > Payments and Transfers > Request Money

To initiate a Request Money transaction:

Request Money


Request Money

Field Description


Request From Select the debtor from whom you need to request money.

On selecting a debtor, the selected debtor's photo will also be displayed along with the name.

Amount Specify the amount that is to be requested from the debtor.

Request In Select the account to be credited with the specified amount.

Balance On selecting an account in the Request In field, the net balance of that account is displayed below the field.

Receive On Specify the date on which the money needs to be received.


1. From the Request From list, select the debtor to whom the money is to be requested, and then subsequently select the account maintained under debtor. The debtor details of the selected debtor appear.

Request Money


OR

Click if you want to select a different debtor.

Note: If there is no debtor mapped, click on Add Debtor. And add the bank account details of the debtor.

2. In the Amount field, enter amount that needs to be transferred.

3. From the Request In list, select the account that needs to be credited with the amount.

4. From the Receive On list, select the date on which the money needs to be received.

5. In the Note field, enter for a note against the transaction, if required.

6. Click Request. OR Click Cancel to cancel the transaction. OR Click Go to Dashboard, to navigate to the dashboard.


OR

Click Back to return to the previous screen.

8. The success message appears along with the reference number. Click Go to Dashboard, to navigate to the dashboard. OR Click More Payment Options to go to other payment options. OR Click Manage Debtors to create/ edit/ view debtors.

FAQs

1. When will I receive the money I requested?

After the recipient of the request responds with a payment, the money will be automatically deposited in the account that you have identified at the time of request initiation.

2. Can I cancel a request for money?

No, a request once initiated cannot be cancelled.

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Manage Debtors


14. Manage Debtors

In order to request money from debtors via the Request Money feature, the user needs to first add a debtor. The following details are required to be captured in order to save a debtor:

Debtor Name

Debtor IBAN

BIC Code of the Debtor’s bank account

Nick Name

Once a debtor is created through the, Add Debtor feature, the user can initiate a request for money to be transferred from the debtor’s account via the Request Money feature.

Pre-Requisites



View Debtor

Add Debtor

Delete Debtor

Workflow

How to reach here:

Dashboard > Toggle Menu > Payments > Setups > Manage Debtors

To manage debtors:

1. All the registered debtors are listed down by their names along with photos, if uploaded.

Manage Debtors


Manage Debtors

Field Description


Debtor Photo Displays the debtor's photo, if uploaded against each debtor name. If the debtor’s photo is not uploaded, the initials of the debtor will be displayed in place of the photo.

Debtor Name The name by which each debtor is identified as defined at the time of debtor creation, is listed down.

2. From the Debtor List, select and click on a debtor whose details you want to view. OR In the Search by Nickname, enter the nickname of the debtor whose details you want to

view and click . OR Click the Add New Debtor link to create a new debtor. OR Click the Back to Dashboard link to navigate to the dashboard.

3. Click and then click View Details. The Manage Debtors - Debtor Details screen appears. OR Click the Add New Debtor link to create a new debtor. OR Click the Back to Dashboard link to navigate to the dashboard.

Manage Debtors


14.2 Manage Debtors - View

Manage Debtors - Debtor Details

Field Description


Debtor Name The name of the debtor as defined at the time of debtor creation.

Debtor Photo Displays the debtor's photo, if uploaded. If the photo has been deleted or if no photo is uploaded, the initials of the debtor will appear in place of the photo.

IBAN The international bank account number (IBAN) of the debtor.

BIC Code The Bank Identifier code (BIC) of the debtor bank.

1. Click Request if you want to request money. For more information, refer Request Money.

OR

2. Click the option Change against the debtor photo to edit the photo. This option is available only if a photo has been uploaded against the debtor.

The window to browse and upload a photo appears.

Select a photo to replace the existing debtor photo with and click Open.

The debtor photo gets updated and a message confirming the same appears.

OR

Click the Remove option against the debtor photo to delete the photo. This option is available only if a photo has been uploaded against the debtor.

The message asking the user to confirm whether the photo is to be removed appears.

Manage Debtors


Click Yes to delete the photo.

OR

Click No to return to the View/Edit Payee page.

3. Click Upload Photo to assign a photo against the debtor. This option appears if no photo has been uploaded against the debtor.

The window to browse and upload a photo appears.

Select a photo to upload and click Open.

The uploaded photo appears and a message conforming the same appears.

14.3 Add Debtor

Using this option you can add a debtor.

To add a new debtor:

1. In the Manage Debtors screen, click the Add New Debtor link to add a new debtor. The Add Debtors screen appears.

Add Debtor

Field Description


Debtor Name Enter the name of the debtor.

Upload Photo Select this option to upload a photo against the debtor.

IBAN Specify the International bank account number (IBAN) of the debtor

Manage Debtors



Bank BIC Code Enter the Bank Identifier code (BIC) of the debtor’s bank.

Nick Name Enter a nickname by which you want to identify the debtor.

2. In the Debtor Name field, enter debtor name from whom the amount is to be received.

3. Click on the Upload Photo link to upload a photo against the debtor.

Note: Once a photo is uploaded against the debtor, the options Change and Remove appear against the photo.

Click Change to modify the uploaded debtor photo. OR Click Remove to delete the uploaded debtor photo.

4. In the Debtor IBAN field, enter debtor IBAN number.

5. In the Bank BIC Code field, enter BIC code of the debtor bank. OR Click Verify to verify the entered BIC code with the bank details based on BIC code. OR Click Lookup BIC Code to lookup for the BIC search. Displays the bank details.

6. In the Nickname field, enter the debtor’s nickname.

7. Click Add. OR Click Cancel to cancel the transaction.

The Review screen appears. Verify the details, and click Confirm. OR Click Cancel to cancel the transaction.

OR

Click Back to return to the Add Debtor screen.

8. The success message appears. Click Go to Dashboard, to navigate to the dashboard. OR Click More Payment Options to go to other payment options.

14.4 Delete Debtor

To delete a debtor:

1. From the Debtor List, select and click on relevant debtor name which you want to delete. OR

Enter the nickname of the debtor which you want to delete and click . OR Click the Add New Debtor link to create a new debtor. OR Click the Back to Dashboard link to navigate to the dashboard.

Manage Debtors


2. Click and then click Delete. The Manage Debtors - Delete Debtor message box with a message prompting the user to confirm the deletion appears.

Delete Debtor


4. The success message of deletion appears. Click Go to Dashboard, to navigate to the dashboard. OR Click More Payment Options to go to other payment options.

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Upcoming Payments Inquiry


15. Upcoming Payments Inquiry

Upcoming payment is a unique feature available to users that displays the list of payments initiated by the user that are awaiting processing either on the same day or on a future date.

Through this feature, the user is able to view at a glance, all the payment transactions that are to be processed on the same day or in the near future. All the payment transactions are listed down as records with details such as the date on which the payment is due for processing, the amount of payment, description and the type of payment i.e. whether it is a one-time payment or a repeat transfer.

The following payment transactions will be reflected in ‘Upcoming Payments’ as per the date of the transaction:

Future Dated Transfers

Future Dated Demand Drafts

Repeat Transfers

Prerequisites:

Transaction and account access is provided to retail user

Upcoming payments are maintained under accounts


Following transactions are allowed under Upcoming Payments

View Upcoming Payments

Cancel Upcoming Payment

Workflow

How to reach here:

Dashboard > Upcoming Payments Widget > View All > Upcoming Payments Inquiry OR Dashboard > Toggle Menu > Payments > Inquiries > Upcoming Payments Inquiry OR Dashboard > Payments Menu > Upcoming Payments > Upcoming Payments Inquiry

15.1 Upcoming Payment - Summary

The summarized view of all your upcoming payments starting with the most recent, are listed on Upcoming Payment Inquiry screen.

To view all the upcoming payments:

1. All the scheduled upcoming payments appear as records on Upcoming Payments Inquiry screen.



OR In the Search by Description, enter the description of the upcoming payment which you

want to view and click .

Upcoming Payments Inquiry - Summary

Field Description


Date The date on which the payment transaction is due for processing.

Description The description of the payment transaction. This can include details such as name of the payee, photo as well as the type of transfer.

Note: In case of own account transfer, payee's photo will not be displayed.

Amount The transfer amount and currency.

Type The type of transfer.

The payment type will be mainly categorized as:

One Time: Scheduled Single Payment

Repeat: Repeat Transfer

Action The option to cancel the transaction.



2. To cancel the transaction, click Cancel. The 'Cancel Transfer' pop-up with a message prompting the user to cancel the transfer appears.

15.2 Upcoming Payments - View & Cancel

On selecting the option to cancel the transaction, a pop up window appears containing the details of the transaction. The user can view these details and confirm cancellation.

To cancel the transaction:

1. Click Cancel against the record that you want to delete. The ‘Cancel Transfer’ pop-up appears which displays basic details of the transaction and also contains a button by which the user can confirm cancellation.

Upcoming Payments - Cancel Transfer

2. Click Cancel to confirm the cancellation. The Verification screen appears if the transaction is configured for Two Factor Authentication.

3. A message confirming cancellation of the transaction along with host reference number and transaction details appear. Click Go to Dashboard, to navigate to the dashboard. OR Click More Payment Options to access other payment options.



FAQs

1. What are the type of payments that are shown under "Upcoming Payments"?

The following type of payments will be shown under the ‘Upcoming Payments’ based on transaction processing date:

Future Dated Transfers

Future Dated Demand Drafts

Upcoming Repeat Transfers

2. Can I cancel the upcoming payment which is due today?

Cancellation of today’s upcoming payment depends upon the bank’s processing cycle of upcoming payments. If the bank processes all upcoming payments during same day’s BOD process, then you will not be allowed to cancel payments due today.

3. Can I cancel a specific installment of a repeat transfer/ recurring payment?

No, you cannot cancel the specific installment of recurrent payment, but you can cancel entire instruction given for recurring payment.

4. Can I cancel an upcoming payment that has been initiated from any channel other than the online banking channel?

Yes, you can cancel any upcoming transaction initiated by you through any channel.

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Funds Transfer History


16. Funds Transfer History

The funds transfer history feature enables users to review and keep track to all the payment transactions initiated over a given period. The user can view the current status of each initiated transfer to identify if the transfer was a processed successfully or failed to be processed in the host system.

The user can also search for specific transactions by entering information pertaining to the transfer in the fields provided. Users can view details of each transfer and also re-initiate a transfer by selecting the provided option.

Note: Funds Transfer history is supported only when the digital banking system is integrated with FCR as the host system.

Prerequisites:


How to reach here:

Dashboard > Toggle Menu > Payments > Inquiries > Funds Transfer History

16.1 Funds Transfer History Summary

To view funds transfer history:

1. Enter the required search criteria in the Search section.

2. Click Search, the search results appear based on the search criteria. OR Click Clear to clear the search parameters.



Funds Transfer History- Summary

Field Description


Search Criteria

Payee Name This field enables users to search for transfers initiated towards a specific payee by selecting the payee from the list of registered payees.

Transaction Reference Number

The option to search for a transfer on the basis of transaction reference number generated at the time of the payment initiation.

Status The option to search for transfers on the basis of status. The user can select a status in order to be displayed all the transfers in that status.

The options are:

Successful

Failed

In Progress




Select Period The option to search for transfers initiated during a specific period.

The options are:

Current Period

Previous Month

Previous Quarter

Select Date Range

Transfer Type The option to search for transfers based on transfer type.

The options are:

Self

Internal

Domestic

Demand Draft

Peer to Peer

From Account The option to search for transfers based on source account.

From Date - To Date The option to search for transfers initiated during a specific period of time. The user is required to select dates in the From Date and To Date fields if the option Select Date Range under Select Period is selected.

Download The option to download the transfer records displayed on the funds transfer history page in csv or pdf format.

Search Results

Date The date on which the transfer was processed is displayed against each transfer record.

From Account The source account from which the funds have been debited towards initiation of the transfer.

Payee Details The name of the payee towards whom the funds transfer has been initiated along with the payee’s account/email/mobile number/Facebook ID/Twitter ID depending on the type of transfer is displayed. The photo of the payee, if uploaded is displayed.

Amount The amount transferred.

Transfer Type The type of transfer initiated.

Reference Number The transaction reference number generated at the time of the transfer initiation.




Status The current status of the payment transaction.

3. Click against a specific fund transfer record. The following options appear:

View Details

Re-Initiate

4. Select the option View Details to view the details of the particular funds transfer. The screen on which details of the selected funds transfer are listed, appears. The details displayed will be as per the type of transfer initiated.

5. Click Re-Initiate to re initiate the same funds transfer. The user is redirected to the respective transaction screen with the information pre-populated in all the fields for e.g. in case the transfer type is Domestic Draft, the user is redirected to the Issue Demand Draft screen with the draft type selected as domestic and all the information pre-populated in each respective field. OR Click Back to Dashboard to go back to the dashboard. OR Click Download to download the funds transfer summary.

16.2 Funds Transfer History Details

To view funds transfer history details:

1. Click against a specific fund transfer record. The following options appear:

View Details

Re-Initiate

2. Select the option View Details to view the details of the specific funds transfer.

The screen on which details of the selected funds transfer are listed, appears. The details displayed will be as per the type of transfer initiated.

OR

Click Re-initiate to re-initiate a funds transfer of the same type with the same details.



Fund Transfer History- Details

Field Description


Status The current status of the funds transfer as fetched from the host system is displayed.

Transfer Details The details of the funds transfer including payee details, amount, transfer date, etc. are displayed. These details will be specific to the transfer type initiated.

3. Click Download to download the transfer details. OR Click Re-Initiate to re initiate the same funds transfer. The user is redirected to the respective transaction screen with the information pre-populated in all the fields for e.g. in case the transfer type is Domestic Draft, the user is redirected to the Issue Demand Draft screen with the draft type selected as domestic and all the information pre-populated in each respective field. OR Click Cancel to cancel the operation and to be navigated to the dashboard. OR Click Back to go back to the previous screen.

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Manage Biller


17. Manage Biller

Billers are configured as the bank’s customers in the host system. The bank designates a single account to each such customer as the “collection” account. This account is used to post all payments made from various users.

The online banking application enables users to register and maintain these billers towards whom utility payments are to be made frequently or on a regular basis.

Prerequisites:


Billers are maintained in the host system

Admin Biller Category mapping is done


View Biller

Edit Biller

Create Biller

Delete Biller

Workflow

How to reach here:

Dashboard > Payments Widget > Manage Payees & Billers OR Dashboard > Toggle Menu > Payments > Setups > Manage Payees & Billers OR Dashboard > Payments Menu > Manage Payees & Billers

Manage Biller


17.1 Manage Billers – Summary

The summarized views of all the billers maintained by the user are displayed on the screen.

To manage billers:

1. In the Manage Whom field, select the Biller option. All the registered billers are listed down by their names defined at the time of biller creation.

Manage Billers - Summary

Field Description


Manage Whom The option to either manage payees or billers.

The following fields appear if the option ‘Billers’ is selected under the field ‘Manage Whom’.

Billers List Displays the list of registered billers.

Category The category of the registered biller.

The following fields appear when the icon (expand option) is selected against any biller name.

Biller Name The name of registered biller.

Relationship Number The unique relationship number that the user has with the biller.

2. From the Biller List, select and click on the biller whose details you want to view. A card displaying the Biller Name and Relationship Number appears. OR Click Add New Biller to add a new biller.

Manage Biller


Manage Billers – Expanded View

3. Click against a specific biller and then click View/Edit. The View/ Edit Biller screen appears.

17.2 View Biller Details

The user can view the details of billers created under a party by selecting the option ‘View/Edit’ provided against each biller record on the summary page.

To View the biller details:

1. From the Biller List, select and click on the biller whose details you want to view. A card displaying the Biller Name and Relationship Number appears.

2. Click and then click View/Edit. The View/ Edit Biller screen appears.

View/ Edit Biller

Manage Biller


Field Description




Relationship Number 1

Relationship number 1 of the user with the biller.





3. Click Pay to initiate a bill payment against the selected biller. OR Click Edit to edit the biller details. The View/ Edit Biller screen with values in editable form appears. OR Click Back to navigate back to previous screen.

17.3 Edit Biller

Users are provided with the facility to modify the relationship numbers associated with the billers.

To edit biller relationship numbers:

1. From the Biller List, select and click on the expand option provided against the biller whose details you want to edit. A card displaying the Biller Name and Relationship Number appears.

2. Click and then click View/Edit. The View/ Edit Biller screen appears.

3. Click Edit to edit the biller. The View/ Edit Biller screen appears with values in editable form.

Manage Biller


Edit Biller

Field Description










4. In the Relationship Number 1, 2 and 3 edit the values if required.

5. Click Save to save the changes. OR Click Cancel to cancel the operation.

6. The success message of edit biller appears. Click Back to Dashboard to navigate to the dashboard.

Manage Biller


17.4 Add Biller

Users can create billers by specifying the category to which the biller is associated, e.g.

electricity, cable, etc., the name of the biller and the relationship number that the user holds with

the biller.

To register a biller:

1. Click the Add New Biller link in the Manage Billers screen. The Add Biller screen appears.

Add Biller

Field Description


Category Select the category to which the biller belongs.

Biller Name Select the name by which the biller is to be identified.

Relationship Number 1 Specify the relationship of the user with the biller.

Relationship Number 2 The option to specify additional relationship numbers that the user has with the biller.

Relationship Number 3 The option to specify additional relationship numbers that the user has with the biller.

2. From the Category list, select the category to which the biller belongs.

3. From the Biller Name list, select the registered biller name towards whom payments are to be made.

4. In the Relationship Number field, enter the relationship number that you hold with the biller.

Manage Biller


5. Click Add to add a biller. OR Click Cancel to cancel the operation and navigate back to the Dashboard.

The Add Biller – Review screen appears. Verify the details, and click Confirm. OR Click Cancel to cancel the operation and to navigate back to the Dashboard.

OR

Click Back to return to the Add Biller screen.

6. The success message appears along with the biller details. Click Go to Dashboard, to navigate to the Dashboard. OR Click More Payment Options to access other payment options. OR Click Pay Now to initiate a bill payment towards the added biller.

17.5 Delete Biller

Using this option, you can delete the registered biller created under a party.

To delete a biller:

1. From the biller category list, click on the expand option provided against the category of choice. The selected category is expanded to display all the billers associated with the category.

2. Click against a specific Biller and then click Delete. The Delete Biller pop up window appears with a warning message prompting the user to confirm the deletion.

Delete Biller

Manage Biller



4. The screen confirming biller deletion appears. Click Go to Dashboard to navigate to the dashboard. OR Click More Payment Options to access other payment options.

FAQs

1. Can I delete billers that I no longer need to make payments to?

Yes. You can choose to delete the billers that you no longer need.

2. When can I make the payment to newly added biller?

After successfully adding a biller, you may proceed to pay bills towards the specific biller immediately.

3. If I delete or edit a biller, what will happen to the in-flight transactions?

Biller modification or deletion will not have any impact on the transactions which are initiated towards the payee and that are pending further processing.

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Bill Payment


18. Bill Payment

The Bill payment feature enables users to pay their utility bills online. Through this feature, users are able to pay their bills quickly, securely and at their own convenience.

Prerequisites:



Billers are maintained

Transaction limits are assigned to the user to perform the transaction.


Bill Payment

Workflow

How to reach here:

Dashboard > Payments Widget > Pay Bills OR Dashboard > Toggle Menu > Payments > Payments and Transfers > Pay Bills OR Dashboard > Payments Menu > Pay Bills

Bill Payment


18.1 Pay Bills

Users can initiate bill payments towards billers that are already registered in the system. All billers that are previously registered are listed for selection. Once the user selects a biller, the details of that biller are populated on the screen for the user to verify. The user can proceed to initiate the bill payment transaction by specifying details such as the amount to be paid, the account from which the funds are to be transferred, the bill date and bill number.

Pay Bills

Field Description


Biller Name Select the name of the biller towards whom bill payment is to be made.

Relationship Number

Select the relationship number that you have with the biller against which you want to make a bill payment.

Amount Specify the amount that you want to pay.

View Limits Link to view the transaction limits.


Pay From Select the source account that is to be debited to make the bill payment.

Balance On selecting a source account, the net balance of the account appears below the Pay From field.

Bill Payment



Bill Date Specify the date on which the bill was generated.

Bill Number Enter the number of the bill that is to be paid.

Note Add a note against the bill payment transaction, if required.

To pay a bill:

1. From the Biller Name list, select the biller towards whom you wish to make a payment. OR Click the Add New Biller link if there are no billers mapped to make bill payment.

2. From the Relationship Number list, select your relationship number with the biller against which you wish to make a bill payment.

3. In the Amount field, enter the bill amount.

4. From the Pay From list, select the source account to be debited.

5. In the Bill Date field, specify the date on which the bill was generated.

6. In the Bill Number field, enter the number of the bill that is to be paid.

7. Click Pay to initiate the bill payment transaction. OR Click Cancel to cancel the operation and to navigate back to ‘Dashboard’. OR Click Back to Dashboard, to navigate to the dashboard.

The Pay Bills - Review screen appears. Verify the details, and click Confirm. OR Click Cancel to cancel the operation and to navigate back to the Dashboard.

OR

Click Back to return to the Pay Bills screen.

8. The success message appears along with the transaction reference number, host reference number and payment details. Click Go to Dashboard to navigate to the Dashboard. OR Click More Payment Options to access other payment options. OR Click Add Favourite to mark the transaction as favorite.

Bill Payment


FAQs

1. Can I initiate future dated bill payments?

No, you can only initiate bill payments to be processed immediately using this transaction.

2. Where do I find my Relationship Number?

Please check the bill sent to you by the respective biller. Alternatively, it is also available in the SMS/Email communication send to you by your biller.

3. Can I make a payment towards a biller who is currently not registered in my biller list?

No, using this transaction, you can make payments only to registered billers.

4. Can I set an option to auto pay the bill amount of already generated bills?

No, currently this option is not supported.

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Multiple Bill Payments


19. Multiple Bill Payments

The Multiple Bill Payments transaction enables users to pay multiple utility bills simultaneously from a single screen.

Prerequisites:

Transaction access is provided to retail user

Billers are maintained



Following transactions are allowed under Pay Bills:

Bill Payment

Workflow

How to reach here:

Dashboard > Toggle Menu > Payments > Payments and Transfers > Multiple Bill Payments OR Dashboard > Payments Menu > Multiple Bill Payments




Field Description


The following fields are applicable for each individual bill payment record that comprises the multiple bill payments transaction:

Biller Name Select the biller towards whom you wish to make a payment.




Relationship No.

Select the relationship number that you hold with the biller.

Amount Specify the amount that you wish to pay.



Pay From Select the source account from which funds are to be deducted towards the bill payment.

Balance On selecting a source account, the net balance of the account appears below the Pay From field.

Bill Date Bill generation date.

Bill Number Specific bill number.

Note You can add a note against the bill payment, if required.

To pay the bill:

1. From the Biller Name list, select the preferred biller.

2. From the Relationship No. list, select your biller relationship number.

3. In the Amount field, enter the bill amount.

4. From the Pay From list, select the source account from which funds are to be utilized towards making the bill payment.

5. From the Bill Date list, select the bill generation date.

6. In the Bill Number field, enter the number of the bill to be paid.

7. Click Save to save the bill payment details. OR Click Make a Copy &Save, if you want to save the current bill payment record and also copy the details onto the next record. OR Click Reset Fields to clear the details entered in the record.

8. Repeat Steps 1 to 7 for subsequent bill payment records. OR Click Add Another Payment if you want to add another bill payment record without saving the current record.

9. Click against a saved bill to edit the bill payment details of that record. OR

Click against a bill payment record to delete that record.

10. Click Submit to submit all the bill payment records. OR Click Cancel to cancel the operation and navigate back to ‘Dashboard’.



OR Click Back to Dashboard link, to navigate to the dashboard.

11. The Multiple Bill Payments - Review screen appears. Verify the details, and click Submit. OR Click Back to return to the previous screen. The Multiple Bill Payments screen with saved bill payment details appears in editable form. OR Click Cancel to cancel the operation and navigate back to ‘Dashboard’.

12. The Verification screen appears if the transaction is configured for Two Factor Authentication. Enter the verification code and click Submit.

13. The success message of submitting the transaction appears, along with the transaction reference number. Click Go to Dashboard, to navigate to the dashboard. OR Click More Payment Options to access other payment options. OR Click Click Here to view the status of bill payments. The Multiple Bill Payments – Status screen appears on which the status of each individual bill payment appears. In case any bill payment record has failed, the reason for failure is also displayed against the specific record.

Multiple Bill Payment – Status

Field Description


Biller - Relationship The name of registered biller and the relationship number of the customer with the biller.

From Account The source account from which funds are to be deducted towards the bill payment.

Date & Amount The date on which the bill was generated and the amount transferred towards payment of the bill.




Host Reference Number

The unique number generated on completion of the transaction in the Core Banking application.

Status The status of the transaction.

Failure Reason The reason for which a bill payment failed is displayed against the specific record.

14. Click the Back to Dashboard link to navigate to the Dashboard.

FAQs

1. Is there any limit on the number of bills that can be paid at a time through multiple bill payments?

Yes, the limit as defined by the bank will be in place. You will be displayed an error message if you try to add another bill payment record once this limit has been met.

2. Are there limits to payment amounts?

Yes, there are daily limits and monthly limits set by the bank for payments of bills.

3. Will I receive a confirmation when my payments are processed?

Yes. Once you make multiple bill payments, you’ll see a confirmation screen which has a link to view the status of each bill payment. You can also download the electronic receipts of individual bill payment transactions.

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Favorites


20. Favorites

This feature enables users to mark transactions as favorite. By doing so, the user is able to quickly access these transactions and is able to use these transactions as templates to initiate new transactions. This feature is beneficial to users who frequently initiate transfers towards the same recipients with similar details.

The user is able to mark a transaction as favorite by selecting the option provided on the specific transaction’s confirmation page.

The following types of payment transactions can be marked as Favorite transactions.

Payments made to an account

Bill Payments

Once a transaction is marked as favorite, it is displayed in the user’s favorite transaction list. The user has to simply select the transaction of choice from the list displayed. Once a transaction is selected, the system displays the details of the transaction in editable mode. The user is able to make changes, if required and can submit the transaction for processing.

Prerequisites:



You can perform following actions from the Favorites screen:

View Favorite Transaction Details

Initiate a Payment

Remove Transaction from Favorite List

Workflow

How to reach here:

Dashboard > Payments Widget > Favorites OR Dashboard > Toggle Menu > Payments > Favorites OR Dashboard > Payments Menu > Favorites

Favorites


20.1 Favorites – Summary

The summarized views of all the payment transactions marked as favorite are displayed on the screen.

The screen is divided into two sections –

Money Transfer - Transactions marked as favorite for ‘Account’ type of payments are listed under this section

Bill Payments - Transactions marked as favorite for ‘Bill Payment’ type of payments are listed under this section

The user is provided with the option to search for a favorite transaction on the basis of the payee name, in case of money transfers or the biller name, in case of bill payments. The user can view and initiate transactions using these favorite transactions as templates and can also delete any transaction from the favorite list.

To view and initiate a favorite transaction:

1. All the favorite transactions appear as a list on the Favorites – Summary screen.

Favorites – Summary

2. Select the relevant favorite transaction record and click

Click Pay Now to initiate the transaction. The details of the transaction appear in the respective payment transfer screen.

OR

Click Remove to remove the transaction from the favorite list. OR

Favorites


In the Search By Payee/ Search By Biller Name, enter the payee/ biller name of the

transaction which you want to initiate and click . OR Click Back to Dashboard, to navigate to the dashboard.

Transaction initiation through Favorites

3. To initiate a transaction, click Transfer. OR Click Cancel to cancel the transaction.

20.2 Remove Favorites

To remove a transaction from the favorite list:

1. In the Favorite Summary screen, select the relevant payee/ biller name. OR In the Search By Payee/ Search By Biller Name, enter the payee/ biller name of the

transaction which you want to remove and click .

2. Click and then click Remove to remove the transaction from the favorites list. The Delete Favorites message box appears with a message prompting the user to confirm the deletion. OR Click Pay Now to initiate a transaction using the specific favorite transaction as a template.

Favorites


Remove Favorites- Confirm


4. The message confirming the removal of the transaction from the favorite list appears. Click Back to Dashboard, to navigate to the dashboard.

FAQs

1. If I add a transaction to ‘Favorites’, where will this transaction be reflected and what benefit will I gain from this?

The transaction will be saved in the ‘Favorites’ list. You can then use this transaction by selecting it from this list the next time you want to initiate a similar payment. The details will be prepopulated on the screen thus saving you the time and effort of having to enter all the details again.

2. What type of transactions can be saved as favorite?

You can mark the following types of transactions as favorite:

Payments made to an account

Bill Payments

Favorites


3. Can I edit the details if I am re-initiating a transaction from my favorite transaction list?

Yes, you can edit the details and re-initiate a transaction by selecting a favorite transaction.

4. What happens when I add a transaction in my favorite list?

Once a transaction is marked as favorite it is displayed in the user’s favorite list. The user can directly initiate a transfer using favorite transactions; all the transaction details are auto populated in the respective fields. The user can make required changes in the details and submit the transaction for processing.

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View Limits


21. View Limits

An option has been provided to the retail user to view the final available limits considering transaction, cumulative, cooling period and payee limit set if any while initiating a transaction.

1. Click the View Limits link to check the transfer limit. From the Channel list, select the appropriate channel to view its limits. The utilized amount and the available limit appear.

View Limits

Field Description


Channel Channel for which the user wants to view the limits.

This will be defaulted to the user logged in channel.

Available Limits

Amount An amount range between the transactions can be initiated from the selected channel.

Count The number of transactions can be initiated by the user from the selected channel.

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Common Functions


22. Common Functions

The common procedure to be followed for below option:

Add Favorite

Save the transaction as favorite for frequently used transactions.

Set Repeat Transfer

Enables the user to set a standing instruction.

(PDF)

Allows the user to save the transaction log in .pdf format.

(Email

Allows the user to mail the transaction search result using default mail configured.

To sort the Records

1. From the Page list, select the required page number of the transactions list.

2. Click to sort records in ascending or descending order.

3. Click to view the first page of the transaction record list. OR

Click to view the previous page of the transaction record list. OR

Click to view the next page of the transaction record list. OR

Click to view the last page of the transaction record list.

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oracle banking digital experience manual... · 2019-09-30 · transfer money ... oracle banking...

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